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Our clients are often concerned about whether their debts will actually be forgiven or discharged if they decide to file bankruptcy. The concern is that a creditor is going to challenge their bankruptcy case. Although a few special types of debts like student loans taxes, and child support dont get wiped out, most unsecured debts like medical bills and credit cards will be automatically discharged. A separate lawsuit called an adversary proceeding is required if a creditor decides to challenge the discharge of a debt. And keep in mind that there are very limited reasons to keep a debt from being wiped out. For example, if the debtor took out loans of more than eleven hundred dollars from one creditor within 70 days before filing bankruptcy, or if the creditor can prove the debtor otherwise committed fraud in incurring a debt. Intentional and malicious injuries can be accepted from discharge also. For example, if a debtor physically injures someone intent