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Why Debts Are Not Discharged in a Bankruptcy

by on 12/26/2012

You can accomplish freedom from debt

11 USC 523 lists 19 exceptions to discharge. I will go through each one in more detail in future posts, but for now let me give you a brief summary of the 19. If you have debt that could fall into one of these categories, don’t give up yet, talk to an attorney with Bankruptcy Law Group that can help you evaluate your case and determine whether your debt is really exempt from discharge.

  1. Tax Debt – The only thing that is certain in this world is death and taxes.
  2. False Representation – “Liar, Liar pants on fire” debt, also known as the “hurry up and charge it then bankrupt it” debt.
  3. Debt you just didn’t want to list in your bankruptcy case
  4. Fraud – Naughty, naughty
  5. Domestic Support Obligation –  the dark cloud that will never go away
  6. Willful and Malicious Injury – The Bully’s debt
  7. A Fine - Big Brother Debt
  8. Student Loans – what is it they say... education is priceless?
  9. Intoxication – The party ends when everyone is sober
  10. Prior case already said, or could have said NO!
  11. More Fraud
  12. Messing with the Federal Depository
  13. Restitution –Payback time!
  14. Taxes from another mother –  Also known as "the shell game"
  15. Current or Former Spouse – “What’s yours is mine”
  16. HOA Dues – The down side to the American Dream
  17. Court Fees
  18. Retirement – Protect the future
  19. Securities Violation

Again, I want to reiterate that just because your debt falls into one of these categories, does not necessarily mean that it is exempt from discharge. A good attorney can help you understand what each category covers and if there is a way to get out of it. I will explain each of these categories in more detail later, but every situation is different and it is the smallest fact that can sometimes save the day.