Among the debts Chapter 7 can discharge are:

  • Credit card debt
  • Personal loans
  • Medical bills
  • Other past-due bills

Student loans are in the unsecured debt category but they are challenging to discharge and a person who requests a discharge of student loans must follow additional steps if they qualify for a discharge of student loans. However, the other forms of debt in this category can be eliminated by filing for Chapter 7.  An added bonus? The moment you file for bankruptcy, creditors must cease their attempts to collect. In other words, filing equals no more hounding, no more garnishments, no more calls or letters.