What type of debt can I erase in Chapter 7 bankruptcy?

Most debts can be erased in Chapter 7 bankruptcy, including:

• Credit card debt
• Medical debt
• Most judgments from collection lawsuits
• Personal loans
• Utilities bills
• Phone bills

But you cannot erase the following debt in Chapter 7 bankruptcy:

• Secured debt like a home mortgage
• Most student loans
• Taxes from the last 3 years
• Alimony or child support
• Personal injury you caused while drinking
• Money you owe the government
• Court fines and penalties