 TITLE: What Is Chapter 7 Bankruptcy? CONTENT: What Debts Are Discharged in Chapter 7 Bankruptcy?\n--------------------------------------------------\nA Chapter 7 bankruptcy will generally discharge your unsecured debts, such as credit card debt, medical bills and unsecured personal loans. The court will discharge these debts at the end of the process, generally about four to six months after you start.\nSome types of unsecured debts usually aren't discharged through a Chapter 7 bankruptcy, including:\n*   Child support\n*   Alimony\n*   Student loans\n*   Some tax debt\n*   Homeowners association fees\n*   Court fees and penalties\n*   Personal injury debts you owe due to an accident while you were intoxicated\n*   Unsecured debts that you intentionally left off your filing\nYour creditor could also object and keep certain debts from getting discharged. For example, a credit card company could object to the debt from recent luxury goods purchases or cash advances, and the court may decide you still need to repay this portion of the credit card's balance.\nAdditionally, a Chapter 7 bankruptcy may discharge the debt you owe on secured loans. Secured loans are those backed by collateral, such as your home for a mortgage, or when a creditor has a lien on your property. However, even if the debt is discharged, the creditor may still have the right to foreclose on or repossess your property. END