What debts can not be Discharged?
While most consumer debts are dischargeable in bankruptcy, the following are the debts that are not: Most federal and state income taxes. However, if the taxes are more than three years old, and other criteria are met, some taxes can be discharged in bankruptcy. Student loans and other educational debts (absent “undue hardship) Debts incurred by fraud (i.e., debts incurred without the intent to repay or debts incurred by use of a false financial statement or other written document). Debts incurred by willful and malicious injury, fiduciary misconduct, or embezzlement. Criminal fines, traffic tickets, and criminal restitution. Child support, spousal support, and monies owed under divorce decrees. Personal injury or death caused to others while driving under the influence of alcohol or drugs.
