Sort common debts into practical bankruptcy issue buckets before predicting discharge or payment.
Place each debt in the first bankruptcy issue bucket it raises. The point is initial triage, not final legal advice. Secured or collateral-linked Priority payment concern Nondischargeability concern General unsecured starting point Car loan secured by a vehicle the debtor wants to keep Past-due mortgage payments on the home Unpaid domestic support obligation Recent withholding-tax debt from a small business Government-backed student loan with no hardship ruling yet Credit-card creditor alleges charges were obtained by fraud Old medical bill with no lien or special allegation Unsecured vendor invoice for office supplies
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