ANSWER: A Chapter 7 discharges most of your unsecured debts. Medical bills, credit cards, personal loans, and registration loans are among the debts that can be discharged in a Chapter 7. Some debts such as student loans and domestic obligations can’t be discharged. If you owe back taxes, they can be discharged if they meet certain requirements.
To complete a Chapter 7 Bankruptcy, there are a few steps you will have to complete. Either you or your attorney will need to draft and file your petition. You will need to take a credit counseling course online before your case is filed. After your case is filed, you will receive a letter from your trustee informing you of your court date and requesting additional documents. You must supply those documents and later attend your 341 Meeting of Creditors. You must take a second credit counseling course within 60 days of your 341 Hearing. If all those steps are completed, your case will be eligible for discharge 60 days after your hearing.