Are there debts I can not discharge?
At the end of your case, a disharge is granted to release from your debts. However, certain obligations are automatically not discharged. These include spousal maintenance, child support, recent income taxes, student loans, criminal fines, injuries caused by DUIs, and in some cases, homeowners’ association dues for up to six months after a foreclosure. Other debts are not discharged if a complaining creditor can show he or she meets certain criteria (such as fraud, recent excessive credit purchases) to justify a denial of discharge. Usually these issues can be anticipated by your attorney, and may require some pre-bankruptcy planning.
