What Debts Can I Exclude From My Bankruptcy Filing?

The short answer is none.

When we attend your 341 Hearing, also known as the Meeting of Creditors Hearing, the bankruptcy Trustee will ask you under oath if all of your debts were included in your bankruptcy petition.

Just because a debt is included in your petition does not mean you cannot continue to pay on that debt. For example, if you have an auto loan, that creditor must be included in your petition. The disclosure of the debt does not mean you cannot keep the car. If you continue to make timely monthly payments, the creditor likely will continue to recognize the pre-filing contract and allow you to keep the car. This is likely the same result with a mortgage loan.

In summary, all of your debts must be included in your bankruptcy petition before it is filed, including student loans, auto loans, mortgage loans, medical bills, and any other debts you are legally obligated to pay.

Van Wieren Law Firm, LLC – Atlanta Bankruptcy

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Law Offices of Angel M. Van Wieren, P.C.

Phone: 404.963.7408
675 Seminole Avenue, N.E.
Suite 102
Atlanta, Georgia 30307

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We are a Debt Relief Agency as designated by the U.S. Congress. We proudly help people with debt relief, including filing for bankruptcy relief. This website is not legal advice, but is only for informational purposes.


Lawyer Angel Van Wieren | Lawyer Bankruptcy

National Association of Consumer Bankruptcy Attorneys

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