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Debt Relief is Possible

Dischargeable & Non-Dischargeable Assets

Owenby Law, P.A.: Protecting the Rights & Assets of Bankruptcy Clients

Our Jacksonville bankruptcy attorneys at Owenby Law, P.A. assist debt-ridden individuals to get out from underneath crushing financial obligations. Unfortunately for some individuals, the types of debt that they have accumulated are not dischargeable under Florida and federal bankruptcy laws. In these cases, our bankruptcy lawyers are often able to assist our clients by getting other obligations discharged or helping them negotiate easier terms on the non-dischargeable debts with their creditors.

The following types of debt are currently not dischargeable in the state of Florida:

  • Student loans
  • Child support
  • Alimony or spousal support
  • Certain tax obligations
  • Debts accrued for personal injury resulting from a DUI
  • Fines or penalties owed to a government agency
  • Obligations owed to certain retirement plans
  • Condo association or homeowners association fees
  • Court fines, penalties, or court-ordered restitution
  • Debts owed for attorney's fees in child custody cases
  • Recently accrued credit card debts

What Are Dischargeable Debts in Bankruptcy?

While the bankruptcy code is complicated and there are numerous exceptions, almost all debts that DO NOT fall into one of the above, non-dischargeable debt categories, would be dischargeable under Chapter 7 and 13.

Some dischargeable debts include:

  • Credit card debts
  • Medical debt
  • Signature loans
  • Some types of debt accumulated due to liability
  • Tax debt in some cases

Secured debt, such as car loans, mortgages, boat loans, and business equipment loans can be discharged in bankruptcy if you do not intend to keep the property. If you need your car for work, for example, arrangements must be made to continue payments after the bankruptcy to keep it.

Speak with Our Jacksonville Bankruptcy Lawyers About Your Needs Today

Whether you are attempting a "fresh start" under Chapter 7 or are seeking to reorganize your debt under Chapter 13, we can answer your questions about which debt is dischargeable and which is not. One of the most significant keys to a smooth bankruptcy process is to involve the services of an experienced bankruptcy attorney as early as possible. We are proud to have been designated as a debt relief agency under federal law that helps people file for bankruptcy relief under the Bankruptcy Code. We accept payment plans for those who qualify.

Need more information? Give our office a call as soon as possible(904) 770-3141.

The Benefits of Hiring Owenby Law, P.A.

  • Free Initial Consultations
  • Successfully Handled Thousands of Cases
  • Backed by Over 18 Years of Experience
  • Personalized, Results-Oriented Representation
  • A Team of Compassionate Advocates On Your Side
  • Flexible Payment Plans Available