Chapter 7 is generally available to consumers to eliminate all unsecured debt, such as credit cards and medical bills. Chapter 7 does not eliminate secured debt, and the Chapter 7 debtor must continue to keep current on all secured accounts, including home mortgages and car loans. Certain debts are non-dischargeable in a Chapter 7, such as recent taxes due, certain student loans, child support and alimony, and any debt procured by fraud.