Chapter 7 Debt 卸货 Explained

在破产中,该术语“discharge”指清算债务人’s slate of all, or most, past debts. Although many people expect that filing bankruptcy will wipe out all their debts, that is not always the case. 破产 only 卸货s certain debtors of certain debts. The availability of 卸货 depends on the type of bankruptcy proceeding involved, who the debtor is, and what type of debts the debtor has. An experienced bankruptcy 在torney can advise clients as to which debts will be 卸货d 通过 a Chapter 7 bankruptcy and which debts will remain.

A 卸货 Provides Great Relief, But Not A Clean Slate

在一个 第七章清算案,如果债务人以某种不诚实或不合作的方式(例如进行欺诈性转移或未保留足够的记录),则可以拒绝解除债务。但是,即使在准予解除债务之后,仍然存在某些债务。债务的时机是确定是否将其清偿的一个因素。在第7章的情况下,将仅清偿在减免令日期之前产生的债务。 《破产法》第523条规定了适用于第7章案件的其他解除义务。这些例外中有许多与债务有关,涉及债务人的某种欺诈行为。

When a 卸货 is granted, it protects the debtor from any further liability on the 卸货d debts. No legal action may be taken against the debtor to collect on 卸货d debts, and no collection calls or letters may be sent with regard to such debts. A 卸货 does not actually cancel or extinguish the debt, however; it merely extinguishes the debtor’s personal liability. Also, a 卸货 does not automatically 卸货 co-debtors’ or guarantors’ liability.

破产解除对留置权也没有影响。例如,债务人欠债权人5,000美元,债务由债务人作抵押的情况’的汽车,价值3,000美元。如果债务人申请第7章的宽免并收到解除,则解除不消除债权人的利益’的担保权益。换句话说,债权人仍然可以收回汽车。但是,它不能追究债务人的债务和证券价值之间的2,000美元差额。那是破产解除为债务人提供的个人保护。

与有经验的破产律师联系 拉瑟&律师事务所法律顾问

A lawyer with experience in bankruptcy law can explain whether debts will be 卸货d 通过 bankruptcy and can also advise creditors on how debts owed to them will be affected 通过 a bankruptcy 卸货. If you are considering bankruptcy, call 拉瑟&律师事务所法律顾问888-843-5787 或填写我们的 在线联系表格 进行咨询。

我们是一个债务减免机构。我们帮助人们根据《破产法》申请破产救济。

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