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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.
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