Are all debts incurred prior to filing bankruptcy discharged in Chapter 7?
No. There are a number of types of debts that are excepted from the discharge given in Chapter 7. Among the most common debts are certain taxes, fraudulently incurred credit card debt, domestic support obligations (including child support and alimony), and federally insured student loans. A debtor with debts of this kind can still receive a discharge of other debts but, after the bankruptcy, the “excepted” debts will still be owing (less any payments made through the bankruptcy itself). Additionally, Chapter 7 debtors who engage in certain misconduct connected with the bankruptcy (like failing to disclose assets) may be denied a discharge entirely. However, many of the debts that are excepted from discharge in Chapter 7 may be discharged through a Chapter 13. Other types of debts (family support and student loans, for example) are excepted from discharge in Chapter 13 as well as Chapter 7.
- I received a discharge in a Chapter 7 Bankruptcy, but some debts that could not be discharged remain. Can filing a Chapter 13 help me with these debts?
- Are all debts that were incurred before the bankruptcy discharged in Chapter 7?
- Are all debts incurred prior to filing bankruptcy discharged in Chapter 7?