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Does Chapter 7 discharge all debts?

It can be hard to remain financially secure in Texas, even with a steady job. No matter how carefully you manage your finances, it only takes one unexpected turn of events to set you back significantly. Before you know it, the bills begin to pile up and you find yourself wondering how you will ever manage to clear it all. The stress and upset caused by mounting debt can be extremely bad for your health as well as putting a strain on relationships.

It may seem like an insurmountable problem, but it is vital not to let debt destroy your life. There is always hope, even if it seems far-fetched at first. One option many people choose in this situation is filing for bankruptcy. Despite the stigma associated with this practice, it can be extremely beneficial and may enable you to get your life back on track.

Choosing the right form of bankruptcy is also important. One option is Chapter 7, as this article on bankruptcy explains. The benefit of Chapter 7 is that it allows most forms of unsecured debt to be discharged. With this in mind it is hardly surprising that around 1.5 million people file for bankruptcy each year.

Some debts such as alimony and child support cannot be discharged in this way. However, filing for Chapter 7 could still make a significant difference to your situation. An attorney can give you further information on how this form of bankruptcy could benefit you. He or she may also be able to support you through the process if you decide to file.

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