In a Chapter 7 case, the debtor will receive a complete discharge of their unsecured debt. In exchange for the discharge, the debtor must surrender any of their non-exempt assets to the bankruptcy trustee. Fortunately, in the majority of cases most of the debtor's property can be retained under state exemption laws. The most common debts that are eliminated in this type of bankruptcy are credit card debt, repossession deficiencies on vehicle loans, and medical bills. This is the most common type of bankruptcy filed.