The Debts That Cannot Be Discharged through Bankruptcy

Through his firm in Canton, Georgia, E. Michael Vereen III provides representation in a wide range of criminal and civil cases. Over the years, many people have turned to E. Michael Vereen III for representation during the bankruptcy process.

People may declare bankruptcy for a number of reasons, but the goal of the process is the same: discharging debts. A discharge means that creditors lose any right to take action against the debtor. However, not all debts can be discharged, and other debts are very difficult to get discharged. Understanding the limitations of the bankruptcy process is critically important.

The United States Bankruptcy Code lists 21 categories of debt that cannot be discharged through bankruptcy. The most common of these include child support and alimony. Also, people who file Chapter 7 must still pay cooperation association and condominium fees. Income tax debts can only be discharged under certain circumstances.

Student loans are often inquired about during the bankruptcy process. While it is possible to discharge these loans, it can prove extremely difficult. To earn a discharge, individuals must prove undue hardship expected for the majority of the debtor’s life.

E. Michael Vereen III (770) 345-9449 vereenlaw.com.

Vereen Law Offices: Serving Atlanta in Person and Online

E. Michael Vereen III serves the citizens of the Atlanta, Georgia, area from his law offices in Canton. With a focus on bankruptcy, criminal defense, personal injury, speeding tickets, and vehicular accidents, he aims to provide comprehensive representation to his clients. 

On its website, the practice provides general information to acquaint prospective clients with details of bankruptcy and criminal defense matters. The site enumerates the ramifications of applying for Chapter 7 and Chapter 13 bankruptcy, answers frequently asked questions, and provides an overview of common issues. Whether the question involves the receipt of official letters and legal motions with confusing terminology, procedures after changing employers mid-bankruptcy, or the effect of falling behind on payments, clients can expect to find helpful information to prepare them for their consultation.

Similarly, the website’s section on driving under the influence (DUI) charges and other criminal defense matters lays out some basic terminology and concepts to educate prospective clients on matters involving blood and breath tests, driver license suspensions, and other topics. Of course, this information cannot substitute for contact with a legal professional. Prospective clients are encouraged to contact the office directly for a personalized consultation.