There are some debts that cannot be eliminated or discharged in bankruptcy. For example, child support and spousal support obligations cannot be eliminated nor can arrears on those payments be discharged. Taxes for the most recent three tax years cannot be discharged. Student loans cannot be discharged except under extreme circumstances.
If you have liens on real estate or a vehicle, you will have to deal with those liens. If you have purchased furniture and financed it, you may also need to deal with that debt to keep the furniture.
You should discuss your specific debts with an experienced bankruptcy attorney before you attempt to file a bankruptcy to make sure that you know what debts will not be discharged.
Contact Hampton Roads Legal Services at 757-320-2010 to schedule a free consultation with our exprienced attorney.