In a typical Chapter 7 Bankruptcy, debts owed to unsecured creditors are discharged, that is to say, they are forgiven and do not need to be paid going forward.  The most common examples are credit cards and medical bills.  An exception would be when you own personal or real property that you cannot exempt.  Luckily, in my experience, 99% of those who file own property that is 100% exempt and thus there are no problems filing.  If you are thinking about achieving a fresh economic start by going forward debt free, please feel free to contact Attorney Mark O. Grater in Groton, CT at 860-449-8059 for free appointment to determine if your assets qualify as exempt under the Federal or State Bankruptcy codes.