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2. Which debts can’t be discharged in bankruptcy? - AOL

   www.aol.com/finance/debts-t-discharged...

   Unsecured personal loans — loans not backed by collateral — and loans from friends, family or employers are eligible for discharge. Plus, 403(b) loans also qualify for discharge under both a ...

3. Unsecured debt - Wikipedia

   en.wikipedia.org/wiki/Unsecured_debt

   Unsecured debts are sometimes called signature debt or personal loans. [2] These differ from secured debt such as a mortgage , which is backed by a piece of real estate. In the event of the bankruptcy of the borrower, the unsecured creditors have a general claim on the assets of the borrower after the specific pledged assets have been assigned ...

4. Debt consolidation vs. Bankruptcy: Which is right for you?

   www.aol.com/finance/debt-consolidation-vs...

   Debt consolidation loan: This is a type of personal loan. Some loans are secured, meaning you need collateral in exchange for funds, but most are unsecured. Each loan comes with its own repayment ...

5. Debts That Are Typically Exempt from Personal Bankruptcy Filings

   www.aol.com/debts-typically-exempt-personal...

   The goal of declaring bankruptcy varies, but usually involves the dissolution of burdensome unsecured debt (as in Chapter 7 bankruptcy) or debt restructuring or repayment (as in Chapter 11 or ...

6. Personal bankruptcy - Wikipedia

   en.wikipedia.org/wiki/Personal_bankruptcy

   More rarely, personal bankruptcy proceedings are carried out under Chapter 11. The ultimate goal of personal bankruptcy, from the viewpoint of the debtor, is receiving a discharge. [2] In 2008, more than 96% of all bankruptcy filings were non-commercial and about two-thirds of these were chapter 7 cases. [3]

7. Debt consolidation - Wikipedia

   en.wikipedia.org/wiki/Debt_consolidation

   Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. [1] This commonly refers to a personal finance process of individuals addressing high consumer debt, but occasionally it can also refer to a country's fiscal approach to consolidate corporate debt or government debt. [2]

8. Before You File for Bankruptcy, Consider These 3 Alternatives

   www.aol.com/file-bankruptcy-consider-3...

   The best leverage you can have is a legitimate threat of filing bankruptcy, because, with all unsecured debts, creditors get zero on the dollar. So the strategy is to call them up and say ...

9. Chapter 13, Title 11, United States Code - Wikipedia

   en.wikipedia.org/wiki/Chapter_13,_Title_11...

   The disadvantage of filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual's credit report for up to 7 years (up to 10 years for Chapter 7); [5] still, it is possible to obtain new debt or credit (cards, auto, or consumer loans) after only 12–24 months, and a new FHA mortgage loan just 25 months after discharge, and Fannie Mae ...