Chapter 7 Bankruptcy is a powerful tool, but there are limitations to the type of debt that can be
discharged or erased.

Chapter 7 Bankruptcy CAN:

• Eliminate credit card debt
• Eliminate medical debt
• Stop debt collection harassment
• Stop wage garnishment
• Prevent a utility shut off
• Restore terminated utilities
• Erase car repossession debt

Chapter 7 Bankruptcy CANNOT:

• Eliminate child support
• Discharge student loans
• Eliminate all criminal fees
• Erase court restitution