Are all debts possible to eliminate through bankruptcy? 24 Answers as of June 14, 2013

Are all debts possible to eliminate through bankruptcy? Are there debts not covered?

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Rosenberg & Press
Rosenberg & Press | Max L. Rosenberg
All unsecured debts are covered in a Chapter 7 bankruptcy. However the following debts may not be covered in a Chapter 7 bankruptcy: child support ,most taxes, all student loan any penalties by criminal court for use of drugs and driving that cause injury. Any debts that are committed in fraud. For further information you would be best advised to seek out experienced bankruptcy council.
Answer Applies to: Connecticut
Replied: 6/7/2012
Law Office of Susan G. Taylor
Law Office of Susan G. Taylor | Susan G. Taylor
No, priority debts, for instance (like recent IRS debt), are not dischargeable. There are others.
Answer Applies to: Texas
Replied: 6/6/2012
Law Office of Pho Ethan Tran PLLC
Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
Not all debts are be eliminated in bankruptcy. Taxes, government fines, student loans, and child support are not normally discharged by bankruptcy.
Answer Applies to: Texas
Replied: 6/5/2012
The Law Offices of Deborah Ann Stencel | Deborah A. Stencel
Only certain debts can be eliminated through Chapter 7 bankruptcy. Notable exceptions are: child support, recent income taxes, and student loans.
Answer Applies to: Wisconsin
Replied: 6/5/2012
The Smalley Law Firm, LLC | Cary Smalley
Not all debts are dischargeable in bankruptcy. Generally student loans, alimony, child support and tax debts are not dischargeable in bankruptcy. I suggest you consult with an attorney to discuss the details of your specific situation.
Answer Applies to: Kansas
Replied: 6/5/2012
    J.M. Cook, P.A. | J.M. Cook
    No, not all debts are dischargeable. Certain debts, such as debts related to fraud, domestic support obligations, criminal restitution and fines are not dischargeable. Sec 523 lists the debts that are non-dischargeable and you should review this list with your atty.
    Answer Applies to: North Carolina
    Replied: 6/5/2012
    Robert Suhajda
    Robert Suhajda | Robert Suhajda
    No, especially tax debts.
    Answer Applies to: California
    Replied: 6/5/2012
    Law Office of Michael Johnson
    Law Office of Michael Johnson | Michael Johnson
    Yes.
    Answer Applies to: Florida
    Replied: 6/14/2013
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    Support obligations, most student loans, some taxes, criminal fines and restitution, fraudulent debts.... these can surrive bankruptcy. These are the most common ones, there are others.
    Answer Applies to: California
    Replied: 6/5/2012
    Barbara Fontaine, Esquire | Barbara Fontaine
    Although most debts can be eliminated, you cannot get rid of child support, criminal type debts from Court such as killing someone by you dui. Also cannot get rid of most student loans. And there are special rules for taxes, depending on when/whether you filed.
    Answer Applies to: Rhode Island
    Replied: 6/4/2012
    Milton Acevedo, Esq.
    Milton Acevedo, Esq. | Milton Acevedo, Esq.
    There are debts that are not covered. Some of them include personal income tax, federal student loans and others. There is an entire section of the law that lists what they call non-dischargeable debt.
    Answer Applies to: Florida
    Replied: 6/4/2012
    R. Jason de Groot, P.A
    R. Jason de Groot, P.A | R. Jason de Groot
    All dischargeable debts are covered, or forgiven. Examples of those that are not forgiven are income taxes within the last 3 years, student loans, debts due because of criminal conduct like larseny or DUI, child support and alimony. A vast majority of the debts are covered.
    Answer Applies to: Florida
    Replied: 6/4/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    Student loan debt is not covered, debts from criminal charges, some taxes, etc.
    Answer Applies to: New York
    Replied: 6/4/2012
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Lots of debts are not discharged.
    Answer Applies to: Georgia
    Replied: 6/4/2012
    Alvin Lundgren | Alvin Lundgren
    Most unsecured debts can be discharged, except for taxes, student loans, and fines.
    Answer Applies to: Utah
    Replied: 6/4/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    No, all debts are not dischargeable. For example, some taxes, student loans, child support, spousal support, fraud and intentional harm are some of the debts a bankruptcy will not discharge.
    Answer Applies to: California
    Replied: 6/4/2012
    Olson Law Firm | Edward M Olson
    There are a number of debts which are non-dischargeable, including taxes, child support, and debts arising out of fraud.
    Answer Applies to: Michigan
    Replied: 6/4/2012
    Law Office of Robert Sisson | Robert Sisson
    No..You cannot get rid of tax debts, state debts etc.. you can get rid of credit cards, doctor bills, lawyer bills, etc.
    Answer Applies to: Wisconsin
    Replied: 6/4/2012
    The Needleman Law Office | Scott Needleman
    All debts are not possible to be discharged in bankruptcy.
    Answer Applies to: Ohio
    Replied: 6/4/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    There are some debts that are not covered by the bankruptcy discharge. A few are student loans, child support, taxes, alimony, claims of fraud, plus several others. Bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
    Answer Applies to: Arizona
    Replied: 6/4/2012
    Ryan Legal Services, Inc.
    Ryan Legal Services, Inc. | Kevin Ryan
    Excluded debts for Ch 7 discharge are listed under 11 United States Code 727 and 11 USC 523 / for Ch 13, debts excluded from discharge are listed under 11 USC 1328 and 11 USC 523.
    Answer Applies to: Ohio
    Replied: 6/4/2012
    Attorney At Law | Harry D. Roth
    The term you are looking for is dischargeable and nondischargable. Most things are dischargeable. Common debts that are nondischargeable are most taxes, child and spousal support and student loans. Be careful, though. If a lender has collateral, such as a car or a house, if you don't pay, the lender can still take the collateral. You don't owe anything, the bankruptcy took care of the debt, but the bankruptcy doesn't take away the lender's security, if they got security.
    Answer Applies to: California
    Replied: 6/4/2012
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
    Most but not child support, spousal support, taxes, or student loans as the main ones.
    Answer Applies to: California
    Replied: 6/4/2012
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