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Dischargeable Debts

Eliminating Debts For A Fresh Financial Start

Have your debts grown beyond the point that you can repay them? Filing for bankruptcy can end your financial nightmare and get you back on track. I can help you discharge the maximum amount of debt and protect your personal assets.

I am James E. Smith II, a bankruptcy attorney in Keyser with 33 years of experience. I have helped hundreds of clients eliminate debt through Chapter 7 bankruptcy. I invite you to a no-obligation consultation to discuss your debt solutions.

What Debts Are Discharged In Bankruptcy?

In general, unsecured debts such as credit card debts can be wiped clean, but not secured debts or court-ordered obligations. A secured debt means that the creditor can repossess the collateral if you do not pay.



  • Credit card balances
  • Medical bills
  • Utility bills
  • Unsecured personal loans
  • Payday loans

Not Dischargeable

  • Secured loans (e.g., car loan)
  • Student loans
  • Child support or alimony
  • Criminal fines
  • Recent purchases


  • Past due taxes
  • Court judgments
  • Mortgage arrears
  • Past due rent

Bankruptcy is very fact-specific. For instance, you cannot discharge recent taxes, but you may qualify for relief from older taxes, penalties and interest. You may be off the hook for missed house payments or car payments if you surrender the property. I will identify all eligible debts to get the maximum benefit of bankruptcy.

As both a lawyer and a CPA (Certified Public Accountant), I understand the financial and tax implications of bankruptcy in a way that most attorneys do not. I will help you make good decisions about when and how to file your bankruptcy petition.

I Can Help You Get True Debt Relief

Even if you are not able to erase all of your debts, discharging your unsecured debts will free up money to pay those other obligations. Bankruptcy also provides immediate protection from legal action and creditor harassment.

Call 304-209-6204 or 877-405-9337, or contact me online. My law practice serves individuals and families in Mineral, Hampshire, Hardy, and Grant County of West Virginia and Allegany and Garrett County of Maryland.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Contact Me Today

James E. Smith II is committed to answering your questions about the above practice areas in West Virginia, Maryland, Virginia, Pennsylvania, & District of Columbia. I'll gladly discuss your case with you at your convenience. Contact me today to schedule an appointment.