What Cannot Be Included in Filing Bankruptcy?

You may still owe money after your bankruptcy is discharged

You don't eliminate all your debts when you file for bankruptcy. You remain responsible for several types of financial obligations when your consumer debt is discharged under Chapter 7 of the U.S. Bankruptcy Code.

Forgotten Debts

You have to pay all the creditors you didn't list in your bankruptcy case.

Education

Student loans are not usually included in bankruptcy, but the Code allows for discharge if you can prove undue hardship.

Divorce Expenses

You must keep paying court-ordered child support and alimony, including amounts in arrears.

Taxes, Fees, Fines and Penalties

The government will expect to receive its court fees, as well as restitution payments or other penalties you may owe---and don't forget your recent federal, state and local taxes.

Drunken Driving

You have to pay debts that result from driving while intoxicated.

Other Bad Behavior

You have to pay debts from embezzlement, larceny, breach of fiduciary duty and other crimes and malicious acts.

References

• FindLaw: Debts That Remain After a Chapter 7 Discharge