These items cannot usually be discharged or eliminated in a Chapter 7 bankruptcy:
- Income taxes for a tax year less than three years old
- Debts incurred by false statements when the credit was obtained
- Purchases incurred or debts incurred in contemplation of bankruptcy (debts incurred with no intent of paying the creditor)
- Debts owed to a single creditor for more than $550 for luxury goods or services, including cash advances purchased within 90 days before filing
- Purchases of non-luxury items aggregating more than $825 on or within 70 days before filing
- Debts for alimony or child support or debts resulting from a marital property division
- Student loans (unless a showing of undue hardship can be made)
- Debts arising from a judgement where liability was incurred due to the debtor’s operation of a motor vehicle while intoxicated
This list is not exhaustive. Speak to an attorney if you have questions about whether a debt can be discharged.