Knevel Law Co. LPA

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What Is a Bankruptcy Discharge?

Seeking a Bankruptcy Discharge in Cleveland

A bankruptcy discharge is a court order that legally releases you from personal liability for certain debts after competing your bankruptcy case. In addition to the debt forgiveness, creditors are no longer able to communicate with you by phone, mail, or in person, or take legal action against you for those debts.

In a Chapter 7 bankruptcy, the discharge is typically granted about four months after the petition is filed. A Chapter 13 bankruptcy discharge is granted after completion of your plan payments.

Whether it is a chapter 7 or a chapter 13 bankruptcy, a discharge does not:

  • Cancel or extinguish certain debts like alimony or child support
  • Discharge co-debtors liability
  • Eliminate the creditor's security interest

What Debts are Discharged in Bankruptcy?

The types of debts discharged depend on whether you filed for Chapter 7 or Chapter 13 bankruptcy.

In a Chapter 7 bankruptcy, your trustee will liquidate your nonexempt assets and divide their value among your creditors, and your remaining debts will be discharged.

In a Chapter 13 bankruptcy, after completing your repayment plan, any remaining debts are discharged.

Commonly discharged debts include:

What Debts Cannot be Discharged?

Certain debts are not able to be discharged under either Chapter 7 or Chapter 13 bankruptcy.

Nondischargable debts in any form of bankruptcy include:

  • Child support
  • Alimony
  • Certain criminal fines
  • Certain taxes
  • Debts you did not list in your bankruptcy
  • Student loans (in the vast majority of cases)

Certain debts are also nondischargable in Chapter 7 that can be discharged in Chapter 13, and vice versa.

Nondischargable debts in Chapter 7 include:

  • HOA fees
  • Debts not discharged in a previous bankrutpcy
  • Retirement plan loans

Nondischargable debts in Chapter 13 include:

  • Debts from willful or malicious actions
  • Debts from fraud
  • Debts from recent luxury purchases

Why Hire Knevel Law Co. LPA to Handle Your Bankruptcy?

A Cleveland bankruptcy lawyer from our firm has over 45 years of combined experience serving clients across Cleveland, Akron, Canton, Elyria, and Garfield Heights with skilled representation and legal advocacy. We know what it takes to discharge debt and can educate you on the options available as you seek to establish financial freedom.

As a BBB A+ rated firm, our attorneys have filed over 18,000 bankruptcies cases on behalf of our clients.

Call Knevel Law Co. LPA for the Representation You Need.

Are you interested in clearing all of your debts? Financial relief may be possible with the help of the experienced attorneys at our firm. Meet with our Cleveland bankruptcy lawyers at Knevel Law Co. LPA to learn more about bankruptcy discharge and what can be done in your case.

Call (216) 450-6689 for a free case consultation to discuss your bankruptcy with our dedicated bankruptcy lawyers.