Whether you file a personal bankruptcy as a Chapter 7 or a Chapter 13 in Covington Kentucky your debts will normally be discharged unless a creditor objects and wins.   The only creditors that do not need to object are debts to the government and a spouse for support.   For that reason you should list all of your debts when you file a personal bankruptcy.  If a creditor fails to object to your personal bankruptcy the debt will be discharged even if it would otherwise not be dischargeable. 

Even if you have lost your drivers license due to being underinsured or having a drunk driving accident, a personal bankruptcy would normally reinstate that license and eliminate that debt.