Zero. That is how much unsecured debt remains after a chapter 7 or chapter 13 bankruptcy discharge.
You should be back on track now, debt free. There are a few exceptions. Student loans or educational debts do not discharge in bankruptcy. Some tax debt, unless paid in full could survive a chapter 7 bankruptcy. Child support, spousal support, alimony, or any other Domestic Support Obligations remain after bankruptcy too.
If a debtor chooses to reaffirm a debt, and the court approves it, then that debt would survive as well.
Cosigners are always on the hook for what they signed on too.
So, a bankruptcy case, whether chapter 7 or chapter 13, can definitely get a debtor a fresh start.
Call Leeders & Associates if you want to get out of debt with a bankruptcy discharge. 313-346-7400