In Chapter 7 bankruptcy, debts are categorized as either dischargeable or nondischargeable. Dischargeable debts are those that can be eliminated through the bankruptcy process, while nondischargeable debts are generally not eligible for discharge and must still be repaid.

While you cannot directly choose which individual debts to include or exclude from your bankruptcy filing, there are some important factors to consider:

1. Automatic Inclusion: When you file for chapter 7 bankruptcy near me, all eligible debts are automatically included in the bankruptcy estate. This means that most of your debts will be subject to discharge unless they fall under specific exemptions.

2. Understanding Local Courts and Judges: Establishing rapport with local courts and judges can be invaluable. Bankruptcy lawyers who have developed professional relationships within the local legal community may have insights into the preferences and tendencies of judges, allowing them to tailor their strategies accordingly.

3. Knowledge of Trustees and Creditors: Bankruptcy cases involve interactions with trustees and creditors. Lawyers with ties to the local legal community may have worked with these individuals before, giving them insights into their preferences, negotiation tactics, and potential areas for compromise.

4. Referrals and Recommendations: A bankruptcies lawyers near me who are well-connected within the community may have access to a network of professionals who can provide referrals or recommendations for other services you may need during the bankruptcy process, such as financial advisors or credit counselors

5. Exemptions: Some debts are automatically exempt from discharge under bankruptcy law. These typically include child support, alimony, most tax debts, student loans (unless proven undue hardship), and certain other obligations deemed nondischargeable by law.

6. Voluntary Repayment: Even if a debt is eligible for discharge, you can voluntarily choose to repay it after bankruptcy if you wish to retain the property securing the debt. For example, if you want to keep your home or car, you may continue making payments on the associated mortgage or loan.

7. Creditors' Objections: While you cannot directly exclude debts from your bankruptcy filing, creditors have the opportunity to object to the discharge of specific debts. They may do so if they believe the debt was incurred fraudulently, through misrepresentation, or due to malicious actions on your part.

8. Legal Counsel: Consulting with a knowledgeable bankruptcy attorney can help you understand which debts are dischargeable, which may be subject to objections, and how best to approach your financial situation. An attorney can also help you navigate the complexities of bankruptcy law and ensure that your rights are protected throughout the process.

In summary, while you cannot selectively choose which debts to include in your chapter 7 bankruptcy lawyer near me filing, understanding the distinctions between dischargeable and nondischargeable debts, as well as seeking guidance from a qualified attorney, can help you make informed decisions and achieve the best possible outcome for your financial future.