Notice: Due to COVID-19, we will be conducting all consultations via telephone. We are open and here to help people in these trying times. Please don’t hesitate to call us if you have any questions!

Night & Weekend Appointments Available 301.859.4471
We'll Take That Weight Off Your Shoulders Committed to providing exceptional guidance to overcome financial issues.

Discharging Debt Through Bankruptcy

Bankruptcy Lawyer for Hagerstown, Frederick and Silver Spring, MD

One of the many benefits of filing for Chapter 7 bankruptcy is the ability to discharge debts after the creditors have been repaid through the liquidation process. The cancellation of remaining debts is a welcome relief for most families, and allows them to finally achieve a fresh start and protect their financial futures.

You may also be able to discharge your debts in Chapter 13, although the process is different. This Chapter of bankruptcy uses the reorganization of your debt to create a new payment plan that will repay your creditors over a 3 to 5 year period. in many cases, the balance that remains once the repayment period is over is discharged. There are certain exceptions to discharging debts under Chapter 7 and Chapter 13, however, so if you are considering bankruptcy to pursue debt relief, it is important to understand the laws.

What debts can be discharged?

Under bankruptcy code, you are usually able to discharge your personal and unsecured debts. Unsecured debts are those that are not attached to actual property, and include such things as credit card bills, medical bills, and debt owed for services. If your debt is mainly comprised of unsecured debt, filing for bankruptcy could provide the relief for which you have been searching.

It is important to note, however, that the ability to have your debts cancelled does not mean you can go on a spending spree before filing. The court will examine your financial transactions within 90 days of your filing, and if you purchased luxury goods or services during that time or made a substantial balance transfer, the debts will be ineligible for discharge.

Understanding Non-Dischargeable Debts

The following are some of the debts that cannot be cancelled through bankruptcy:

Non-Dischargeable Debts Under Chapter 7:

  • Student loans
  • Child support payments
  • Alimony
  • Most taxes and tax liens
  • Unscheduled debts
  • Debts obtained through fraud or false pretenses
  • Many debts for court judgments

Non-Dischargeable Debts Under Chapter 13:

  • Student loans
  • Child support payments
  • Alimony
  • Fines and restitution
  • Certain taxes
  • Unscheduled debts
  • Debts obtained through fraud
  • Debts incurred after filing your bankruptcy petition
  • Interest owed on non-dischargeable debts

It is crucial that you examine your debts and determine what you hope to accomplish through bankruptcy. If your debts are mainly non-dischargeable, bankruptcy may not address your unique issues, so you should discuss your alternatives with a skilled attorney.

Contact The Law Office of David Cahn today to learn more about your options to discharge debts and receive a free case evaluation.

Why You Should Hire David Cahn

  1. A Member of Top 100 Trial Lawyers
  2. Three Office Locations State-Wide
  3. Night & Weekend Appointments Available
  4. 5-Star Google Reviews
  5. Driven to Always Find the Best Possible Solution in Every Case
  • Please enter your name.
  • This isn't a valid email address.
    Please enter your email address.
  • This isn't a valid phone number.
    Please enter your phone number.
    You entered an invalid number.
  • Please select an option.
  • Please enter a message.

Past Client Testimonials

Read What Our Clients Have to Say About Us
  • “He is the only lawyer that made me feel like a person and not a paycheck.”

    Former Client

  • “Very patient, with a worrier!"”


  • “Thank you so much, Dave.”

    Former Client

  • “Amazing Job!”

    Former Client

  • “... allowed me to go through this and keep all of my property”

    Former Client

  • “I'm very pleased on how thorough you were.”

    Former Client

  • “You're making my life much less stressful.”

    Colleague & Former Client

  • “... your expertise really showed when you got my case dismissed.”
  • “"Caring and Knowledgeable"”


  • “Your help, support, and encouragement are priceless...”

    Former Client

  • “I'm grateful for all your help, for making me feel like my case was a priority & for being such an amazing attorney!”

    Gina Miller

  • “I threw a Hail Mary and you caught it!”

    Previous Client

  • “... saved me from big bad Citibank.”

    Former Client

  • “You made it seem like there is a light at the end of the tunnel.”

    Former Client

  • “You are a godsend!”

    Former Client