Non-Dischargeable Debts in a St. Louis Bankruptcy
When you file for bankruptcy in Missouri, the law requires that you disclose to the court all of your debts, and a list of creditors to whom you owe money. These creditors are then notified of the fact that you have filed for St. Louis bankruptcy protection, and they are unable to ever contact you again. A common sample of these debts would include St. Louis credit cards, medical bills, payday loans, or a deficiency from a repossessed car.
But there is a small subset of debts that cannot be discharged. These debts are considered to be non-dischargeable because of public policy, and the government has made it clear that they will continued to be owed even after the bankruptcy is finalized. Included in this list are things like St. Louis child support (or any amount of child support that has fallen into arrears), St. Louis student loans, and St. Louis tax debt (although there are certain provisions in regards to some taxes that might make them dischargeable).
In a St. Louis Chapter 7 bankruptcy, these debts are almost never discharged. In a St. Louis Chapter 13 bankruptcy, these debts are repaid over the course of three to five years. But regardless of which chapter of bankruptcy you file, these debts (and their corresponding creditors) must still receive notification along with the rest of your debts.
The affordable St. Louis bankruptcy attorneys at The Law Office of Jennifer Alter-Rieken have been providing expert bankruptcy legal services for years. Our goal is to make sure that you understand how the government treats each debt, and what your best options are for handling them. The road towards a fresh start / clean slate begins as soon as you decide to act.