Debts That Can Not Be Included In Chapter 7 Bankruptcy

Below is a list of debts that can not be included in a Chapter 7 bankruptcy. These debts are referred to as non dischargable debts and must be paid at some point.

Back Child Support Payments and Alimony

Any Child Support payment you are currently responsible for or those of your spouse. This can include items that are deemed by the court to be considered support payments to a family member, alimony for a spouse, and includes any back payments as well. To find out if payments you are making can be discharged in your bankruptcy, contact an attorney who specializes in Bankruptcy Law.

For debt related help, call 888-314-1403

Outstanding Student Loans

You are required to pay back your student loans unless your student loan debt falls into a specific category and time frame laid out by recent changes in law regarding student loans and discharges.

For more information on if your loan qualifies, see our page on Student Loan and Bankruptcy.

Owed Income Taxes

Taxes that you owe on your income for the last three calendar years from the date you are filing cannot be discharged. The government still wants its piece of what you have left.

Court Judgments and Civil Suits

If you owe money because you were convicted either criminally or civily and owe money to the injured party or the deceased parties relatives, you must make these payments. If you need help to find out if your particular type of judgment can be discharged during bankruptcy, contact an attorney who specializes in Bankruptcy Law.

Dischargeable Debts vs. Non-Dischargeable in your Bankruptcy Filing

There are certain circumstances where debts you are normally permitted by law to discharge or include in your Chapter 7 Bankruptcy Filing, can become non-dischargeable, meaning you have to pay the money back to your creditors. In these situations Chapter 7 will not protect you.

Debts from Fraud or Larceny

If you owe money to creditors and are seeking Chapter 7 Bankruptcy protection, and have entered into a loan on conditions of fraud or in the act of theft, your credit obligations will be non-dischargeable and will stay on your credit report if not settled.

Divorce Debts and Settlements

Debts not considered to be alimony or support payments but are included in a divorce decree or settlement may still be considered non-dischargeable in a Chapter 7 filing.

Reasons To Consolidate