Bankruptcy Wipes Out Debts

The main goal of most consumer bankruptcy cases is to get a fresh financial start through writing off debts. The legal bankruptcy term for write-off is “discharge.” In virtually all successful Chapter 7 “straight bankruptcy” and Chapter 13 “adjustment of debts” cases, there will be a discharge of some or all of your debt.  In […]

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Debts Not Discharged in a Chapter 7 Bankruptcy

The basic rule is that bankruptcy discharges all your debts unless a particular debt fits a listed exception. Focusing on Chapter 7, you will likely receive an Order of Discharge from the bankruptcy court within about 4 months of filing the case. The heart of this court order states simply that “A discharge . . […]

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Discharge of debt in a Chapter 13

The discharge of debts in Chapter 13 works differently than in Chapter 7. If you file a Chapter 13 “adjustment of debts” case, you also get a discharge of your debts, which occurs at the end of your case, usually 3 to 5 years after the case is filed. A Chapter 13 discharge is different […]

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Law Office of Barry H. Spitzer

I have been practicing bankruptcy law since 1992. I have successfully represented debtors, creditors and Chapter 7 trustees through the bankruptcy process. By representing all sides of bankruptcy cases, I have a unique prospective on how I can best assist you.
980 9th Street, Ste 380
Sacramento, CA 95814
(916) 442-9002
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