Can all types of debts be discharged in bankruptcy? The answer is no. There
are certain debts that you cannot discharge with bankruptcy:
- Child support
- Criminal restitution
- Fraud
These things tend to survive bankruptcy, such as student loans. There are
exceptions for undue hardship, but it's very, very hard to prove hardship
for student loans. Taxes, the last three years of taxes, the latest three
years of taxes, cannot be wiped out with bankruptcy, but older taxes can
be, as long as you filed them more than two years ago.
These are the general exceptions to the discharge, but there are others.
If your situation warrants it, we can definitely take a look at that.
For a complete listing, you really ought to call my office. We can discuss
your particular situation.