When a court grants you a final Chapter 7 discharge, the vast majority of debts are automatically wiped out.

These debts include:

  • Credit card debts
  • Personal loans
  • Money owed to your landlord for unpaid rent and penalties
  • Medical bills
  • Personal guarantees
  • Lawsuit judgments, including judgment liens on your home less than Nevada’s $550,000 homestead exemption.  Note, a motion to avoid judicial lien must be filed to remove the judicial lien from real property.  A motion to avoid judicial lien is typically an extra charge

There are a few debts which Chapter 7 cannot erase however.  These debts include:

  • Debts which a creditor successfully objects to being discharged.
  • Student loans.
  • Debts related to driving while intoxicated.
  • Child support and other debts arising from divorce.
  • Most tax debts (other than income tax debts for taxes due more than three years ago and for which you filed a return more than two years ago).
  • Government fines.
  • Court ordered restitution.
  • Debts for loans from a retirement plan.
  • Homeowners association fees.