There are certain debts that are never discharged in a bankruptcy.
These means that whether you file for a Chapter 7 or Chapter 13 bankruptcy, you will still have to pay the following debts:
Also note that if you file a Chapter 7 Bankruptcy, you will continue to owe condo, co-op, and HOA fees; debts for loans from a retirement plan; and debts you couldn’t discharge under a previous bankruptcy that are still outstanding.
It is possible to avoid paying some of these debts if you qualify for an exception. For example, you may avoid paying federal income taxes under certain circumstances.
If you have any of the debts listed above, we recommend that you consult with an attorney to get further advice on whether they may still be dischargeable.
In addition, if a creditor successfully objects that one of your debts should not be wiped out, you will also have to pay that debt. The court will have to rule on the creditor’s argument and, if you find yourself in this situation, we recommend that you be represented by an attorney. Examples of debt that a creditor may be successful in arguing that the debt should not be wiped out include: