What are non-dischargeable debts?
Some debts cannot be wiped out in bankruptcy. That is, they are non-dischargeable. Tax debts, for example, cannot usually be discharged in bankruptcy. The following is a general list of non-dischargeable debts. This list is not specific to your fact situation, and there are some exceptions. To find out whether an item is dischargeable in a particular case, consult with a lawyer. The following may not be dischargeable:
- Debts for “luxury goods” and services owed to a single creditor totaling more than $500 made within 60 days of filing;
- Cash advances in excess of $750 made within 70 days of filing;
- Debts that require timely request for a court’s opinion if a creditor has not been given time to make such a request;
- Debts related to death or injury caused while the debtor was intoxicated;
- Some student loans;
- Debts incurred to pay state and local taxes;
- Debts incurred to pay fines and penalties;
- Unpaid child support or spousal support;
- Homeowner association, condominium, and cooperative fees;
- Fees on prisoners; and
- Pension, profit sharing debts.