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Category Archives: Chapter 7


Can My Spouse & I Discharge Our Student Loans in Chapter 7 Bankruptcy?

By Noyes Law Office, P.C. |

Many Iowa couples struggle to make ends meet while also repaying their outstanding student loan debts. Unfortunately, federal bankruptcy laws make it difficult to discharge such debts in bankruptcy. That is not to say student loan debt is never dischargeable–rather, it means the burden is on the debtor to show it would be an… Read More »


What Happens When a Creditor Ignores a Chapter 7 Bankruptcy Discharge Order?

By Noyes Law Office, P.C. |

Chapter 7 bankruptcy is designed to allow Iowa residents and businesses to discharge their outstanding debts. A discharge means the debtor is legally released from any further obligation to pay the debt. Just as important, the discharge also prevents a creditor from taking any further legal action to collect the debt. If the creditor… Read More »


The Consequences of Lying in a Chapter 7 Bankruptcy Case

By Noyes Law Office, P.C. |

Many Iowa residents are forced to file for Chapter 7 bankruptcy because they are faced with a large civil judgment they simply cannot pay. While a bankruptcy court can discharge such a debt, it is imperative that the debtor not try to mislead the judge, the bankruptcy trustee, or their own creditors. Bankruptcy requires… Read More »


Can I Discharge a Co-Signed Student Loan Debt in Bankruptcy?

By Noyes Law Office, P.C. |

Some debts cannot be discharged in Chapter 7 bankruptcy. One of the better-known categories of non-dischargeable debt is student loans. But in fact, it is not impossible to discharge student loan debt. An Iowa bankruptcy court may grant a discharge if forcing the debtor to continue paying the loan would impose an “undue hardship.”… Read More »


Will Missing Financial Records Hurt My Chapter 7 Bankruptcy Case?

By Noyes Law Office, P.C. |

Chapter 7 bankruptcy is designed to give Iowa debtors a “fresh start” by discharging their legal obligation to pay certain pre-bankruptcy debts. But a federal bankruptcy judge may refuse to grant a discharge if the debtor fails to follow the law. For example, the Bankruptcy Code states a debtor is not entitled to a… Read More »


Will Bankruptcy Prevent Creditors from Garnishing My Wages?

By Noyes Law Office, P.C. |

In a previous post, we explained some of the basics of Iowa’s bankruptcy exemptions, specifically as they applied to a debtor’s house and personal automobiles. But another common question we get is, “What about my weekly pay?” Many people file for bankruptcy protection because they fear their creditors may attempt to garnish their wages…. Read More »


When Can I Discharge a Student Loan in Chapter 7 Bankruptcy?

By Noyes Law Office, P.C. |

Chapter 7 bankruptcy is designed to give Iowa debtors a “fresh start” by discharging their legal obligation to repay most of their unsecured debts. Unfortunately, one of the biggest sources of personal debt–student loans–enjoys special protections under federal bankruptcy law. As a general rule, a debtor cannot discharge a student loan unless they can… Read More »


Bankruptcy FAQs

By Noyes Law Office, P.C. |

Are you considering filing for bankruptcy? If so, you likely have many questions. This article is designed to answer some frequently asked bankruptcy questions, but for case specific information be sure to consult with a local bankruptcy attorney. Q: What types of bankruptcy are available to individuals? A: Most individuals who file for bankruptcy… Read More »


Small Business Bankruptcy in Iowa: What You Need to Know

By Noyes Law Office, P.C. |

If you own a small business in Iowa and are having a hard time paying your debts you may be considering filing for bankruptcy. Bankruptcy is a legal process designed to help individuals and businesses struggling to repay their debts by providing them with the opportunity to eliminate and/or repay their debts under the… Read More »

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

By Noyes Law Office, P.C. |

If you are simply unable to get out from under your debt, you may want to consider filing for bankruptcy protection. Bankruptcy has been around for hundreds of years in the United States and is designed to help people who are deep in debt by giving them a fresh financial start. However, bankruptcy protection… Read More »

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