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Things That Cannot Be Discharged During a New York Chapter 7 Bankruptcy

If you are feeling overwhelmed by the debts you owe, you are not alone. Many individuals, families, and businesses across the nation are struggling with the financial stress exacerbated by the global pandemic. You may feel paralyzed and powerless to take control of your financial situation, but it’s essential to know that you have options. Filing a Chapter 7 bankruptcy in New York can help you obtain the fresh start you need to move forward and feel hopeful about the future. Below is a brief overview of how Chapter 7 bankruptcy works and what types of debts can—and cannot—be discharged.

How Chapter 7 Bankruptcy Works in New York

When a person files a Chapter 7 bankruptcy, the court appoints a trustee to oversee your case. The trustee will hold a hearing and ask you questions (we are there will you). When your case is discharged your eligible debts are wiped away. The process usually takes three months to complete. While you may worry about the bankruptcy negatively impacting your credit, your bankruptcy attorney can help you take steps to start rebuilding your credit immediately and take control of your financial future.

Non-Dischargeable Debts Under Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows you to discharge (wipe away) certain kinds of unsecured debts, such as credit card charges, medical bills, back rent, personal loans, social security overpayments and more. However, other types of debt cannot be discharged under Chapter 7 bankruptcy. These include alimony and child support obligations, certain taxes, and student loans. Additionally, any debt you incurred through fraud or under false pretenses may not be discharged.

Compassionate Legal Guidance When You Need it Most

Struggling with debt can feel overwhelming and cause you to lose hope for the future. However, you do not have to endure this difficult period alone. Reaching out to a knowledgeable and compassionate bankruptcy attorney is a great way to obtain the support and guidance you need to regain control of your financial future. Your attorney will help you understand your options for pursuing the relief you need and assist you with every step of the process. When you’re ready to feel optimistic about the future again, contact a trusted New York bankruptcy attorney today for your fresh start.


Call Grady BK, PLLC, today at (315) 299-9005 to discuss your bankruptcy options with a dedicated and compassionate New York attorney.