Which debts can I include in a Chapter 7 Bankruptcy?
Certain types of debts cannot be discharged in a bankruptcy. These debts are called non-dischargeable and apply in every case. However, certain debts that are normally dischargeable may be ruled as non-dischargeable if a debtor has committed a crime or fraud.
| Non-dischargeable debts in a bankruptcy: | Circumstances in Which Normally Dischargeable Debts May Become Non-dischargeable. |
- back child support and alimony obligations, and debts considered in the nature of support
- student loans, unless repayment would cause you undue hardship
- income taxes less than three years past due, and
- court judgments for injuries or death to someone arising from your intoxicated driving.
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- debts incurred on the basis of fraud, such as lying on a credit application or writing a bad check
- debts from willful or malicious injury to another or another's property
- debts from larceny (theft), breach of trust or embezzlement, or
- debts arising out of a marital settlement agreement or divorce decree that aren't otherwise automatically non-dischargeable as support or alimony
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