What are non-dischargeable debts?

Nondischargeable debts are debts that cannot be eliminated through bankruptcy.  In other words, these are the debts that you would remain liable for even after you file for a Chapter 7 bankruptcy.  Under the bankruptcy laws, the following debts are nondischargeable (not an exhaustive list):

·         Debts not listed in the bankruptcy filing;

·         Student loans (unless can prove undue hardship- really difficult to establish);

·         State and federal income taxes;

·         Alimony;

·         Child support;

·         Government-imposed fines or penalties;

·         Debts incurred due to false statements with the intent to deceive;

·         Debts resulting from DUIs; and

·         Secured debts.

For more information on nondischargeable debts, review 11 U.S.C. 523.