Helping you get through difficult times.

Most debts are dischargeable in a Chapter 7 or Chapter 13 case.  However, some debts are generally not dischargeable under consumer bankruptcy.  They include the following:

1. Debts you do not list in your bankruptcy filings.
2. Student Loans, unless repayment would cause undue hardship
3. Spousal and Child Support
4. Fines and penalties owed to a governmental unit.
5. Criminal fines and restitution.
6. Drunk Driving obligations
7. Debts incurred as a result of fraud or false statements.
8. Debts from claims for willful and malicious injury.
9. Debts incurred by embezzlement or larceny in a fiduciary capacity.
10. Debts arising from a divorce decree or marriage settlement agreement..

Some debts will be discharged unless the creditor objects to them being  dischargeable. (items 7 through 10 listed above are included in this category)

Note:  Check with a bankruptcy lawyer to verify whether a debt is dischargeable or