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Understanding Which Debts Can Be Discharged in Chapter 7 Bankruptcy: A Guide for Virginia Residents Money problems can happen to anyone, regardless of their income or social status. Sometimes, debt spirals out of control and the only viable solution left is filing for bankruptcy. Chapter 7 bankruptcy is one of the most common types of bankruptcy in the United States, but many people are unsure about which debts can be discharged through this process. This guide will provide a comprehensive overview of the debts that can be discharged in Chapter 7 bankruptcy and how it affects your student loans in Virginia. Firstly, it is important to note that not all debts are dischargeable in Chapter 7 bankruptcy. Debts such as child support, alimony payments, and most tax debts cannot be discharged. However, many other types of debts are eligible for discharge. Medical bills, credit card debt, unsecured loans, and personal loans can be discharged through Chapter 7 bankruptcy. This means that these debts are effectively wiped out and the debtor is no longer legally obligated to repay them. Unfortunately, student loans are not typically dischargeable through Chapter 7 bankruptcy, even in Virginia. This is due to a provision in the federal law that makes it nearly impossible for borrowers to discharge student loans through bankruptcy. There are a few exceptions, however.