{"id":1218,"date":"2019-11-30T13:23:00","date_gmt":"2019-11-30T19:23:00","guid":{"rendered":"http:\/\/www.mankatobankruptcy.com\/blog\/?p=1218"},"modified":"2019-11-06T13:31:23","modified_gmt":"2019-11-06T19:31:23","slug":"government-debts-handled","status":"publish","type":"post","link":"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/","title":{"rendered":"How Government Debts Are Handled in Chapter 7 Bankruptcy"},"content":{"rendered":"\n<p>Chapter 7 bankruptcy is the most frequently filed individual consumer case type. This type of bankruptcy discharges your debts in exchange for the liquidation of your non-exempt assets. While the loss of some property in return for the dissolving of certain debts is a possibility, such is not the case for most filers because they can use bankruptcy <a href=\"\/blog\/exemptions-for-chapter-7\/\">exemption allotments<\/a> to protect their assets.<\/p>\n\n\n\n<p>To qualify for Chapter 7 bankruptcy, you must satisfy the <a href=\"\/blog\/chapter-7-bankruptcy-and-the-means-test\/\">Means Test<\/a>, which measures your income-to-debt ratio. If your income-to-debt ratio is lower than the state median of a similar household, you are eligible to file for Chapter 7. If you are considering filing for Chapter 7 bankruptcy in Jackson, MN, Behm Law Group, Ltd. can provide support, guidance, and legal protection throughout your case. <\/p>\n\n\n\n<p>In\nChapter 7, the majority of your unsecured debts will be discharged. This\ncommonly includes credit card debt and medical bills, but may also range into\nmore unusual debts like personal loans and income taxes. There are also various\nforms of government debts that are unsecured but might be treated as priority\ndebs in your case. <\/p>\n\n\n\n<p><strong>SSA Overpayments<\/strong>: If you were accidentally given <a href=\"\/blog\/social-security-overpayments\">overpayments<\/a> on your social security checks, you may be required to repay that debt if the SSA notices. If you file for Chapter 7 bankruptcy, however, this debt will be treated as an unsecured debt. The SSA may file an objection to the discharge of this type of debt on the grounds that you defrauded the SSA, but more likely, the debt will be discharged. <\/p>\n\n\n\n<p><strong>County\/City\nFees<\/strong>:\nCertain fees you owe to your local government may be discharged in part. This\ntypically includes first-time fines, tickets, and other fees. For example, if\nyou were required to pay a government-employed contractor to tear down an\nillegal structure on your property but could not make the payment, that debt\nwould likely be discharged. If you paid a private contractor to tear it down\nbut were fined for failing to tear it down in a timely manner, that contractor\ndebt will likely be discharged, but the fine may or may not be discharged. <\/p>\n\n\n\n<p><strong>Fines<\/strong>:\nStrictly speaking, government fines are not discharged. The only exception to\nthis rule is if the debt was gained in reimbursing the government for money\nthat entity spent or lost separately from the fines you were charged. For\nexample, you are billed for the removal of a tree on your property but the\ngovernment over-estimated the cost of that removal. The over-fine will be\ndischarged in a Chapter 7 case. <\/p>\n\n\n\n<p>If you\nhave government debts, they will most likely be discharged in Chapter 7, but\nthere are a few exceptions. To learn more about how debts are treated in\nbankruptcy or to get started on filing for Chapter 7 bankruptcy in Jackson, MN,\ncontact Behm Law Group, Ltd. at (507) 387-7200 or <a href=\"mailto:stephen@mankatobankruptcy.com\">stephen@mankatobankruptcy.com<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chapter 7 bankruptcy is the most frequently filed individual consumer case type. This type of bankruptcy discharges your debts in exchange for the liquidation of your non-exempt assets. While the loss of some property in return for the dissolving of certain debts is a possibility, such is not the case for most filers because they [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Government Debts Are Handled in Chapter 7 Bankruptcy<\/title>\n<meta name=\"description\" content=\"If fines, overpayments, and city fees are causing undue stress and financial problems, learn how filing Chapter 7 bankruptcy with Behm Law Group can help you get back on track.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Government Debts Are Handled in Chapter 7 Bankruptcy\" \/>\n<meta property=\"og:description\" content=\"If fines, overpayments, and city fees are causing undue stress and financial problems, learn how filing Chapter 7 bankruptcy with Behm Law Group can help you get back on track.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/\" \/>\n<meta property=\"og:site_name\" content=\"Behm Law Group, Bankruptcy Attorneys\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-30T19:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-11-06T19:31:23+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/\",\"url\":\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/\",\"name\":\"How Government Debts Are Handled in Chapter 7 Bankruptcy\",\"isPartOf\":{\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/#website\"},\"datePublished\":\"2019-11-30T19:23:00+00:00\",\"dateModified\":\"2019-11-06T19:31:23+00:00\",\"author\":{\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/#\/schema\/person\/27775d5cd5fffe036851c367ff1f054b\"},\"description\":\"If fines, overpayments, and city fees are causing undue stress and financial problems, learn how filing Chapter 7 bankruptcy with Behm Law Group can help you get back on track.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/government-debts-handled\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.mankatobankruptcy.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Government Debts Are Handled in Chapter 7 Bankruptcy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.mankatobankruptcy.com\/blog\/#website\",\"url\":\"https:\/\/www.mankatobankruptcy.com\/blog\/\",\"name\":\"Behm Law Group, Bankruptcy Attorneys\",\"description\":\"Bankruptcy News &amp; 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