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.