{"id":189832,"date":"2024-03-25T07:43:24","date_gmt":"2024-03-25T07:43:24","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/?p=189832"},"modified":"2024-03-25T07:43:24","modified_gmt":"2024-03-25T07:43:24","slug":"can-personal-loans-be-discharged-in-bankruptcy","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/","title":{"rendered":"Can personal loans be discharged in bankruptcy?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#Yes_personal_loans_can_be_discharged_in_bankruptcy\" title=\"Yes, personal loans can be discharged in bankruptcy.\">Yes, personal loans can be discharged in bankruptcy.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#FAQs_about_personal_loans_and_bankruptcy\" title=\"FAQs about personal loans and bankruptcy:\">FAQs about personal loans and bankruptcy:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#1_What_is_bankruptcy\" title=\"1. What is bankruptcy?\">1. What is bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#2_How_does_bankruptcy_work\" title=\"2. How does bankruptcy work?\">2. How does bankruptcy work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#3_What_are_personal_loans\" title=\"3. What are personal loans?\">3. What are personal loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#4_What_types_of_bankruptcy_are_commonly_filed\" title=\"4. What types of bankruptcy are commonly filed?\">4. What types of bankruptcy are commonly filed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#5_Can_personal_loans_be_discharged_in_Chapter_7_bankruptcy\" title=\"5. Can personal loans be discharged in Chapter 7 bankruptcy?\">5. Can personal loans be discharged in Chapter 7 bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#6_Can_personal_loans_be_discharged_in_Chapter_13_bankruptcy\" title=\"6. Can personal loans be discharged in Chapter 13 bankruptcy?\">6. Can personal loans be discharged in Chapter 13 bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#7_Are_there_any_exceptions_to_discharging_personal_loans_in_bankruptcy\" title=\"7. Are there any exceptions to discharging personal loans in bankruptcy?\">7. Are there any exceptions to discharging personal loans in bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#8_Will_discharging_a_personal_loan_in_bankruptcy_impact_credit_scores\" title=\"8. Will discharging a personal loan in bankruptcy impact credit scores?\">8. Will discharging a personal loan in bankruptcy impact credit scores?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#9_Can_a_lender_still_pursue_collections_on_a_discharged_personal_loan\" title=\"9. Can a lender still pursue collections on a discharged personal loan?\">9. Can a lender still pursue collections on a discharged personal loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#10_Can_a_personal_loan_be_reaffirmed_during_bankruptcy\" title=\"10. Can a personal loan be reaffirmed during bankruptcy?\">10. Can a personal loan be reaffirmed during bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#11_Can_personal_loans_be_consolidated_during_bankruptcy\" title=\"11. Can personal loans be consolidated during bankruptcy?\">11. Can personal loans be consolidated during bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#12_Can_personal_loans_be_included_in_bankruptcy_if_they_are_secured\" title=\"12. Can personal loans be included in bankruptcy if they are secured?\">12. Can personal loans be included in bankruptcy if they are secured?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Yes_personal_loans_can_be_discharged_in_bankruptcy\"><\/span>Yes, personal loans can be discharged in bankruptcy.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Personal loans are a type of unsecured debt, meaning they are not backed by collateral. When filing for bankruptcy, individuals have the option to discharge certain debts, including personal loans. However, the dischargeability of personal loans in bankruptcy is subject to certain conditions and considerations. Let&#8217;s delve into this topic further and address some common FAQs related to personal loans and bankruptcy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_personal_loans_and_bankruptcy\"><\/span>FAQs about personal loans and bankruptcy:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_bankruptcy\"><\/span>1. What is bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy is a legal process that allows individuals and businesses to seek relief from overwhelming debts and obtain a fresh financial start.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_does_bankruptcy_work\"><\/span>2. How does bankruptcy work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy involves filing a petition with the court, which initiates the process. The court will then assess the debtor&#8217;s financial situation, determine the type of bankruptcy that applies, and oversee the resolution of debts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_are_personal_loans\"><\/span>3. What are personal loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPersonal loans are borrowed money provided by lenders, which individuals use for various personal expenses such as debt consolidation, home improvement, or medical bills.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_types_of_bankruptcy_are_commonly_filed\"><\/span>4. What types of bankruptcy are commonly filed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe most common types of bankruptcy filed by individuals are Chapter 7 and Chapter 13 bankruptcy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_personal_loans_be_discharged_in_Chapter_7_bankruptcy\"><\/span>5. Can personal loans be discharged in Chapter 7 bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, personal loans can be discharged in Chapter 7 bankruptcy. This type of bankruptcy involves the liquidation of assets to pay off debts, with some debts being discharged.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_personal_loans_be_discharged_in_Chapter_13_bankruptcy\"><\/span>6. Can personal loans be discharged in Chapter 13 bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn Chapter 13 bankruptcy, individuals create a repayment plan to pay off their debts over a specified period, usually three to five years. Personal loans can be included in this plan and partially discharged depending on the debtor&#8217;s disposable income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_exceptions_to_discharging_personal_loans_in_bankruptcy\"><\/span>7. Are there any exceptions to discharging personal loans in bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile personal loans are generally dischargeable in bankruptcy, some exceptions exist. For instance, if a lender can prove that the loan was obtained fraudulently or if the debtor incurred the debt with no intention of repayment, it may not be discharged.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Will_discharging_a_personal_loan_in_bankruptcy_impact_credit_scores\"><\/span>8. Will discharging a personal loan in bankruptcy impact credit scores?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBankruptcy itself can have a negative impact on credit scores, but discharging a personal loan will relieve the individual from the obligation to repay the debt. Over time, credit scores can be rebuilt by practicing responsible financial habits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_a_lender_still_pursue_collections_on_a_discharged_personal_loan\"><\/span>9. Can a lender still pursue collections on a discharged personal loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, once a personal loan has been discharged in bankruptcy, the lender can no longer pursue collections on that debt. The discharge order protects the individual from further collection efforts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_a_personal_loan_be_reaffirmed_during_bankruptcy\"><\/span>10. Can a personal loan be reaffirmed during bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nReaffirmation is a voluntary agreement between the debtor and the lender to continue repaying a debt despite going through bankruptcy. Personal loans can be reaffirmed, but it&#8217;s important to carefully consider the implications and consult with a bankruptcy attorney.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_personal_loans_be_consolidated_during_bankruptcy\"><\/span>11. Can personal loans be consolidated during bankruptcy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is not common to consolidate personal loans during bankruptcy, it might be possible to include multiple personal loans in a Chapter 13 repayment plan. This allows for better management and potential reduction of the debt burden.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_personal_loans_be_included_in_bankruptcy_if_they_are_secured\"><\/span>12. Can personal loans be included in bankruptcy if they are secured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a personal loan is secured by collateral, such as a car or house, the lender may have a right to repossess the collateral if the loan is not repaid. In this case, the debtor can choose to surrender the collateral, potentially discharging any remaining amounts owed, or reaffirm the debt and continue making payments to retain possession of the collateral.<\/p>\n<p>In summary, personal loans can be discharged in bankruptcy, whether individuals file for Chapter 7 or Chapter 13. However, it is crucial to consult with a bankruptcy attorney to fully understand the implications and navigate the process effectively.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yes, personal loans can be discharged in bankruptcy. Personal loans are a type of unsecured debt, meaning they are not backed by collateral. When filing for bankruptcy, individuals have the option to discharge certain debts, including personal loans. However, the dischargeability of personal loans in bankruptcy is subject to certain conditions and considerations. Let&#8217;s delve &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can personal loans be discharged in bankruptcy?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/#more-189832\">Read more<span class=\"screen-reader-text\">Can personal loans be discharged in bankruptcy?<\/span><\/a><\/p>\n","protected":false},"author":49,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-189832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can personal loans be discharged in bankruptcy?<\/title>\n<meta name=\"description\" content=\"Yes, personal loans can be discharged in bankruptcy. Personal loans are a type of unsecured debt, meaning they are not backed by collateral. When filing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/can-personal-loans-be-discharged-in-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can personal loans be discharged in bankruptcy?\" \/>\n<meta property=\"og:description\" content=\"Yes, personal loans can be discharged in bankruptcy. Personal loans are a type of unsecured debt, meaning they are not backed by collateral. 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Personal loans are a type of unsecured debt, meaning they are not backed by collateral. 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