Debt Elimination or Debt Solutions Available?

Hi, my name is Frank Ledbetter and I am a bankruptcy attorney or, if you prefer, a bankruptcy lawyer specializing in Chapter 7, Chapter 13, and debt relief primarily in the St. Louis, MO and surrounding areas. 

An important question I often get is, “What Debt Elimination or Debt Solutions Are Available?”

People considering obtaining debt relief through filing for bankruptcy are of course interested in knowing what types of debts they may get cancelled, that is, discharged, in the bankruptcy case.  The types of debt which my clients often get discharged in a bankruptcy case are unsecured credit card debts, doctor bills, hospital bills, and deficiencies on vehicle loans.  Income taxes more than three years old may also be dischargeable.  Many types of debts, however, are not dischargeable when filing Chapter 7 or Chapter 13 bankruptcy case.  The types of debts that cannot be discharged are as follows:  1) student loans, 2)  income taxes less than three years old, 3)  other types of taxes, 4)  debts incurred to pay non- dischargeable taxes, 5) fines, 6) court-ordered penalties, 7) court-ordered restitution payments, 8) child support, 9) maintenance, formerly known as alimony, 10) anything ordered in a divorce decree to be repaid, 11) debts owed to compensate for injuries cause while driving while intoxicated, 12) debts not listed in the client’s bankruptcy papers, 13) homeowners’ association fees, 14) condo owners association fees, 15) debts owed to compensate for intentional harm done to others, 16) debts incurred through fraud, 17) debts arising from breach of a fiduciary duty and 18) debts owed to compensate for money stolen from other(s).  

If you are in Jefferson County, Franklin County, St. Charles County, or anywhere near St. Louis and considering filing for Chapter 7 or Chapter 13 bankruptcy, I want you to have my FREE SPECIAL REPORT titled “Why Bankruptcy Laws Are Your Friend- Legal Lessons You Don’t Want to Learn the Hard Way”.  Just visit  www.StLouisBankruptcyAttorneyHelp.com to get your own copy sent to you right away.