Chapter 7 bankruptcy will likely be able to wipe out credit card and other unsecured debts like: • medical bills; • most personal loans; • payday loans; • wage garnishments; • court judgments; • deficiencies on repossessed vehicles; and • some older tax debts. Some debts that cannot be eliminated in bankruptcy are: • debts for alimony or child support; • certain taxes; • student loans • debts for restitution or a criminal fine • debts involving false pretenses or fraud may not me eliminated only if a creditor timely files and prevails in a nondischargeability action.