Will Chapter 7 Bankruptcy Clear Your Traffic Ticket Debt?
If you’re drowning in debt, including unpaid traffic tickets, you may be wondering if filing for Chapter 7 bankruptcy in Kansas can help. The simple answer is no, you cannot discharge traffic ticket debt in Chapter 7 bankruptcy. However, don’t lose hope just yet—there are other options to explore, including Chapter 13 bankruptcy.
Why Can’t Traffic Tickets Be Discharged in Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is designed to discharge many types of debts to help individuals get a fresh financial start. However, there are certain debts that cannot be discharged under the U.S. Bankruptcy Code because they are considered to be in the public’s best interest to repay. These include:
- Child support and alimony
- Most student loans
- Criminal fines and restitution
- Recent income tax debts
- Debts owed to government entities
Traffic tickets fall under the category of debts owed to government entities, which means they cannot be discharged in Chapter 7 bankruptcy. This includes both civil and criminal traffic tickets.
What About Chapter 13 Bankruptcy?
If Chapter 7 bankruptcy isn’t an option for clearing your traffic ticket debt, Chapter 13 bankruptcy may provide some relief. Here’s how it works:
- Civil Traffic Tickets: In Chapter 13 bankruptcy, civil traffic tickets may be discharged as part of your repayment plan. This can provide significant relief if you’re struggling to pay off these debts.
- Criminal Traffic Tickets: While criminal traffic tickets (e.g., DUI-related fines) cannot be discharged, they can still be included in your Chapter 13 repayment plan. This allows you to pay them off over time, often with reduced financial strain.
Why You Should Speak with an Attorney
Navigating the complexities of bankruptcy and determining how your traffic ticket debt will be treated can be overwhelming. An experienced Kansas bankruptcy attorney can:
- Help you understand whether your tickets are civil or criminal in nature.
- Determine whether Chapter 7 or Chapter 13 bankruptcy is the right option for your situation.
- Guide you through the process of including traffic tickets in your bankruptcy case.
At Walden Legal Solutions, we offer free consultations to help you fully understand your options and take the next step toward financial freedom.
Take Control of Your Financial Future
Don’t let unpaid traffic tickets and other debts weigh you down. Whether you’re considering Chapter 7 or Chapter 13 bankruptcy, our Kansas City bankruptcy attorneys are here to help.
Schedule your stress-free consultation today!
