If you are filing for Chapter 7 bankruptcy in the state of Maryland, you are probably looking to understand the whole process. While you will be counseled thoroughly throughout the bankruptcy process, it is also important for you to know what happens after you leave court. The entire point of going through Chapter 7 is to help you get back on your feet, but not all debts may be discharged under Chapter 7. According to FindLaw, there are even some debts that cannot be discharged under Chapter 7 that may be discharged under Chapter 13.
The vast majority of unsecured debt will be discharged as you go through Chapter 7. However, there are some very important exceptions to the allowed discharges. For example, if you have government-funded student loans, these are not able to be discharged. You are also still responsible for any child support or alimony that you are responsible for paying. If you have most varieties of tax debt, tax liens, or cooperative housing fees these are also not dischargeable.
If you are filing Chapter 7, you are also still responsible for any property settlements that may have come about through a divorce, any tax obligations that cannot be discharged, or any debt related to malicious property injury. If you file Chapter 13, sometimes these debts may be discharged. There are also some exceptions to tax debt, as well.
If you are struggling with student loans, you may be able to get some forms of private student loans discharged. However, be aware that this situation is quite rare and usually related to the person in question being disabled and no longer able to work.
