{"id":1855,"date":"2025-10-08T17:58:10","date_gmt":"2025-10-08T17:58:10","guid":{"rendered":"https:\/\/unitedlegal.com\/?p=1855"},"modified":"2025-10-08T17:58:10","modified_gmt":"2025-10-08T17:58:10","slug":"what-types-of-debt-can-be-discharged-in-bankruptcy","status":"publish","type":"post","link":"https:\/\/unitedlegal.com\/es\/what-types-of-debt-can-be-discharged-in-bankruptcy\/","title":{"rendered":"\u00bfQu\u00e9 Tipos de Deudas Pueden Ser Eliminadas en una Bancarrota?"},"content":{"rendered":"<h4 class=\"wp-block-heading\" id=\"viewer-nwe5951741\">\u00bfQu\u00e9 Tipos de Deudas Pueden Ser Eliminadas en una Bancarrota?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-6khfb51684\">Si te est\u00e1s ahogando en deuda y considerando la bancarrota, una de las primeras preguntas que usted podr\u00eda hacer es, \"Que las deudas puedo eliminar?\" La comprensi\u00f3n de lo que los tipos de la deuda puede ser dado de alta en la bancarrota es crucial para la toma de decisiones informadas acerca de su futuro financiero. En los Estados Defensores Legales, LLP, nuestros abogados han ayudado a los clientes a navegar las complejidades de la quiebra, y estamos aqu\u00ed para romper hacia abajo para usted en claro, procesable de los t\u00e9rminos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-r77pv423\">La quiebra, si se presenta en el Cap\u00edtulo 7 o el Cap\u00edtulo 13, ofrece una poderosa herramienta para la aniquilaci\u00f3n de ciertas deudas y darle un nuevo comienzo. Sin embargo, no todas las deudas son iguales, y algunas obligaciones son m\u00e1s dif\u00edcil\u2014o imposible\u2014a la descarga. En esta completa gu\u00eda, vamos a explorar los tipos de deudas que por lo general puede ser dado de alta, en los que usualmente no son descargables, y las consideraciones clave para ayudarle a decidir si la bancarrota es el camino correcto para usted.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"viewer-42tzy216\">Las deudas Que Pueden Ser dados de alta en la Bancarrota<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-9j5be4483\">El objetivo principal de la quiebra es el de aliviar abrumadoras cargas financieras, en particular <em>las deudas no garantizadas<\/em>. Estas son deudas que no est\u00e1 vinculada a la propiedad espec\u00edfica o colateral, lo que significa que los acreedores no pueden embargar nada si usted no paga. Aqu\u00ed est\u00e1n los tipos m\u00e1s comunes de las deudas no garantizadas que puede ser descargado en el Cap\u00edtulo 7 o Cap\u00edtulo 13 de bancarrota:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deuda De Tarjeta De Cr\u00e9dito<\/strong>: Para muchos, saldos de tarjetas de cr\u00e9dito son una fuente significativa de estr\u00e9s financiero. Ya sea a trav\u00e9s de sus compras diarias o emergencias inesperadas, la mayor\u00eda de la deuda de tarjeta de cr\u00e9dito puede ser totalmente dado de alta en la bancarrota, ofreciendo alivio sustancial.<\/li>\n\n\n\n<li><strong>Las Facturas M\u00e9dicas<\/strong>: Inesperado costos de atenci\u00f3n de salud pueden acumularse r\u00e1pidamente, incluso con el seguro. La bancarrota puede eliminar las facturas m\u00e9dicas, lo que permite que se mueva hacia adelante sin el peso de hospital o m\u00e9dico legales.<\/li>\n\n\n\n<li><strong>Pr\u00e9stamos Personales<\/strong>: Pr\u00e9stamos de los bancos, cooperativas de cr\u00e9dito, o individuos (como los amigos o la familia) son t\u00edpicamente no asegurada y a menudo puede ser dado de alta, siempre que no existan circunstancias especiales, tales como el fraude.<\/li>\n\n\n\n<li><strong>Facturas De Servicios P\u00fablicos<\/strong>: Pasado-por los importes de los servicios p\u00fablicos como electricidad, agua, o tel\u00e9fono de servicios a menudo pueden ser eliminados, a pesar de que usted necesita para estar al d\u00eda sobre los futuros proyectos de ley para mantener el servicio.<\/li>\n\n\n\n<li><strong>Ciertas Deudas Tributarias<\/strong>: Aunque en los \u00faltimos deudas tributarias no se pueden cancelar, mayores de impuesto sobre la renta de las deudas (normalmente m\u00e1s de tres a\u00f1os de edad) pueden ser elegibles para la descarga si se cumplen criterios espec\u00edficos, tales como la presentaci\u00f3n oportuna de las declaraciones.<\/li>\n\n\n\n<li>Pr\u00e9stamos de estudiante: Esto requiere una dificultad en el an\u00e1lisis que vamos a navegar a trav\u00e9s de determinar su elegibilidad para la liquidaci\u00f3n de su deuda de pr\u00e9stamo de estudiante.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-v2ywu5755\">En un <strong>Cap\u00edtulo 7 de bancarrota<\/strong>estas deudas son generalmente eliminados completamente despu\u00e9s de que el caso, concluye, suponiendo que usted re\u00fane los requisitos y completar el proceso. En <strong>El cap\u00edtulo 13 de bancarrota<\/strong>usted puede cumplir con estas deudas en su totalidad o para pagar una parte de estas deudas a trav\u00e9s de un tribunal aprob\u00f3 el plan de pago, con el saldo restante dado de alta despu\u00e9s de haber completado el plan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"viewer-426dd249\">Las Deudas Que Son T\u00edpicamente No-Descargables<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-u5dam5920\">Mientras que la bancarrota puede proporcionar un alivio significativo, ciertas deudas est\u00e1n protegidos de descarga debido a la pol\u00edtica p\u00fablica o consideraciones legales. Sabiendo que las deudas se clasifican en esta categor\u00eda es esencial para establecer expectativas realistas. Com\u00fan deudas no descargables incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Manutenci\u00f3n y Pensi\u00f3n alimenticia<\/strong>: Apoyo nacional a las obligaciones no son descargables porque son considerados una prioridad para garantizar el bienestar de las personas dependientes. La bancarrota no eliminar estas responsabilidades.<\/li>\n\n\n\n<li><strong>Reciente De Las Deudas Tributarias<\/strong>: Impuestos a la renta de los \u00faltimos tres a\u00f1os, as\u00ed como la n\u00f3mina o impuestos sobre las ventas, generalmente no son descargables. El IRS tiene prioridad en los procedimientos de quiebra.<\/li>\n\n\n\n<li><strong>Las Deudas Garantizadas (Parcialmente)<\/strong>: Deudas atado a las garant\u00edas, como las hipotecas o los pr\u00e9stamos de coche, son m\u00e1s dif\u00edciles. Mientras que la bancarrota puede descargar su responsabilidad personal por las deudas, el acreedor puede todav\u00eda tomar posesi\u00f3n de la propiedad si no se mantiene al d\u00eda con los pagos. En el Cap\u00edtulo 13, usted puede ser capaz de reestructurar las deudas de hacer los pagos m\u00e1s manejable.<\/li>\n\n\n\n<li><strong>Las deudas de Fraude o Actos Malintencionados<\/strong>: Si una deuda surge de acciones fraudulentas, lesiones intencionales a otra persona, o en estado de ebriedad, normalmente no son descargables. Los tribunales objetivo es mantener a los individuos responsables por infracci\u00f3n intencionada. Sin embargo, aquellos que persiguen dichas reclamaciones contra usted debe demostrar que ellos no son descargables.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"viewer-vgajw274\">Consideraciones especiales en la Bancarrota<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-i7mwx6934\">M\u00e1s all\u00e1 de las categor\u00edas de arriba, hay matices a tener en cuenta al determinar que las deudas pueden ser descargadas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Co-Firmado Deudas<\/strong>: Si una persona firm\u00f3 un pr\u00e9stamo con usted, el desempe\u00f1o de esa deuda en el Cap\u00edtulo 7 de mayo de salir de la co-firmante responsable por el pago. Cap\u00edtulo 13 ofrece m\u00e1s flexibilidad para proteger a los co-firmantes a trav\u00e9s de un plan de pago.<\/li>\n\n\n\n<li><strong>Demandas y Juicios<\/strong>: Si usted le debe dinero a causa de una demanda civil (por ejemplo, por impago de servicios o incumplimiento de contrato), las deudas son a menudo descargables, a menos que el resultado de fraude o da\u00f1o deliberado.<\/li>\n\n\n\n<li><strong>Compras Con Tarjeta De Cr\u00e9dito Antes De La Presentaci\u00f3n De<\/strong>: Grandes compras o avances de efectivo realizados poco antes de declararse en bancarrota puede ser marcado como fraudulento y se considera no-descargables. Los plazos son importantes, por lo que hablar de su reciente actividad financiera con su abogado.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"viewer-z53tc291\">Por qu\u00e9 Consultar a un Abogado de Bancarrota?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-9wpbb7419\">Navegar por el proceso de bancarrota puede resultar abrumador, especialmente cuando se determina que las deudas pueden ser descargadas. Un experimentado abogado de bancarrota puede:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evaluar su situaci\u00f3n financiera para identificar descargables y deudas no descargables.<\/li>\n\n\n\n<li>Asesorar si el Cap\u00edtulo 7 o el Cap\u00edtulo 13 se adapta mejor a tus necesidades.<\/li>\n\n\n\n<li>Ayuda a evitar dificultades, como incurrir en deudas no descargables antes de la presentaci\u00f3n.<\/li>\n\n\n\n<li>Maximizar las exenciones para proteger sus activos, mientras que la eliminaci\u00f3n tanto de la deuda como sea posible.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-j33vg7583\">En los Estados Defensores Legales, nuestro equipo de abogados de la bancarrota tiene un expediente de pista probado de ayudar a los clientes a alcanzar la libertad financiera. Entendemos el estr\u00e9s y la incertidumbre de la deuda abrumadora, y estamos comprometidos a proporcionar a compasiva, expertos de orientaci\u00f3n en cada paso del camino.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"viewer-a5i7e310\">Tome el Primer Paso Hacia la Libertad Financiera<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-x60ab8836\">Si usted est\u00e1 luchando con la deuda, la quiebra puede ofrecer el nuevo comienzo que usted necesita. Mediante la descarga de deudas no aseguradas como saldos de tarjetas de cr\u00e9dito, cuentas m\u00e9dicas, y los pr\u00e9stamos personales, usted puede recuperar el control de sus finanzas y de construir un futuro m\u00e1s brillante. Sin embargo, el proceso es complejo, y no todas las deudas son elegibles para la descarga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-cefq28890\">No permita que la incertidumbre atr\u00e1s. Contacto Unidas Defensores Legales hoy para una consulta gratis. Nuestros experimentados abogados de la bancarrota de revisi\u00f3n de su caso, explicar sus opciones y ayudarle a dar el primer paso hacia un libre de deuda de vida. Ll\u00e1menos al 949-234-8212 o visite <a target=\"_blank\" href=\"http:\/\/www.ulallp.com\/\" rel=\"noreferrer noopener\"><u>www.ulallp.com<\/u><\/a> para programar su cita.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>What Types of Debt Can Be Discharged in Bankruptcy? If you\u2019re drowning in debt and considering bankruptcy, one of the first questions you might ask is, \u201cWhich debts can I eliminate?\u201d Understanding what types of debt can be discharged in bankruptcy is crucial for making informed decisions about your financial future. At United Legal Advocates, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wpcom_ai_launchpad_first_post":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1],"tags":[],"class_list":["post-1855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Types of Debt Can Be Discharged in Bankruptcy? - United Legal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unitedlegal.com\/es\/what-types-of-debt-can-be-discharged-in-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Types of Debt Can Be Discharged in Bankruptcy?\" \/>\n<meta property=\"og:description\" content=\"What Types of Debt Can Be Discharged in Bankruptcy? If you\u2019re drowning in debt and considering bankruptcy, one of the first questions you might ask is, \u201cWhich debts can I eliminate?\u201d Understanding what types of debt can be discharged in bankruptcy is crucial for making informed decisions about your financial future. At United Legal Advocates, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/unitedlegal.com\/es\/what-types-of-debt-can-be-discharged-in-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"United Legal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/United-Legal-Advocates-LLP\/61575826264475\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-08T17:58:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/unitedlegal.com\/wp-content\/uploads\/2025\/10\/3-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"ULALLP Admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@UnitedLegalAdv\" \/>\n<meta name=\"twitter:site\" content=\"@UnitedLegalAdv\" \/>\n<meta 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If you\u2019re drowning in debt and considering bankruptcy, one of the first questions you might ask is, \u201cWhich debts can I eliminate?\u201d Understanding what types of debt can be discharged in bankruptcy is crucial for making informed decisions about your financial future. 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