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Chicago Bankruptcy Attorney
Call for a Free Consultation 312.945.7451
We Can Help Release Your Financial Burden It May be Possible to Discharge Your Debt

How to Discharge Your Debt

Get Rid of Your Debt with Our Chicago Lawyer

Bankruptcy is a powerful tool that consumers can use to get a fresh start toward a better financial future. One of the main reasons for filing bankruptcy is that certain debts can be discharged. A discharge permanently releases the debtor from repayment burdens and prohibits creditors from taking any action to collect.

If you are overburdened with debt, consult with a knowledgeable attorney at Smith Ortiz, P.C. We can offer professional assistance in finding the best debt relief option for your particular situation. Our bankruptcy lawyers have more than two decades of combined experience and backgrounds in finance and bankruptcy law. We possess the knowledge, skill, and insight to accurately evaluate your situation and recommend the best course of action to help you get and stay out of debt.

Dial (312) 945-7451 today to move forward with discharging your debt!

Which Debts are Dischargeable in Bankruptcy?

The debts that are discharged depend on whether you file for Chapter 7 or Chapter 13. In Chapter 13, individuals are required to repay some of their debts based on their income. Chapter 7, however, does not have a repayment plan and many are discharged.

Debts that are discharged in both Chapter 7 and Chapter 13 include:

  • Credit card debt
  • Medical bills
  • Personal loans
  • Debts related to breach of contract or negligence
  • Collection agency bills
  • Older tax obligations

Along with bankruptcy, it may also be possible to minimize or discharge your debt through certain alternatives, such as debt consolidation and loan modification. Every person is facing unique financial difficulties, so what works in one instance may not work for you. Our firm is dedicated to upholding your best interests and that means creating a unique strategy based on your needs.

Let our attorneys help you determine which debts you can avoid paying by filing for bankruptcy protection or utilizing an alternative. We believe everyone deserves a fresh financial start and will work tirelessly to help you achieve exactly that!

Contact us to discuss filing for bankruptcy and what debts you can discharge.

Our Past Clients Share Their Stories

  • “It was very professional and fast. I’m very happy!”


  • “If you're looking for a great bankruptcy attorney, this is your firm.”


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    Carlos O.

  • “Do not hesitate to use them for your bankruptcy issues.”


  • “Thanks to you guys I did not lose my house and you always there for me from the start to the end.”


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  • “You all are the best lawyers in Illinois.”

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