Advocating For Consumers In Bankruptcy Filings For More Than 25 Years

An Experienced Attorney Helping You Discharge Your Debts In Bankruptcy

At the Law Office of Paul L. Urich, P.A., I have been helping clients discharge unmanageable debt for more than 25 years. Most people who file bankruptcy do so to discharge their debts. A discharge is a court order which states that you do not have to pay a debt.

Some debts are nearly impossible to discharge. For example, you typically cannot discharge debts for:

  • Most taxes
  • Child support
  • Alimony
  • Student loans
  • Personal injury lawsuit judgments caused by driving under the influence of drugs or alcohol

Discharge of debts through bankruptcy only applies to debts that originated before your filing date. Additional restrictions on discharge can be put in place by a judge if evidence emerges that you have received funds or real property via fraud. Debts can only be discharged via Chapter 7 bankruptcy once in a period of eight years.

According to the U. S. Bankruptcy Courts, “It is important to list all property and debts in your bankruptcy petition. If you do not list a debt, that debt may not be discharged. The judge can deny your discharge if you do something dishonest in connection with your bankruptcy case, such as destroy or hide property, falsify records or lie, or if you disobey a court order.”

Are You Looking To Protect Assets?

Even if a secured debt (a debt with the asset as collateral such as a mortgage loan or an auto loan) is discharged, the bank may still pursue repossession of the collateral if you do not pay the debt. That’s why Chapter 13 and its restructuring of debt and repayment plan can be a better option for preserving assets.

Discuss Your Debt Discharge Options With An Attorney For Free

Based in Orlando, Law Office of Paul L. Urich, P.A., serves clients throughout Central Florida. To take advantage of a free initial consultation, please submit an online contact form or call 407-915-0842.

I am a debt relief agent. I help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy Overview