17 Debts That Might Not Be Discharged In Your Arizona Bankruptcy

  • Criminal fines or restitution or drunken driving injury claims
  • Guaranteed Educational Loans.
  • Fine or penalty owed to governmental unit
  • Damages arising from willful injury to person or property
  • Spousal or child support, or ex-spouses attorney fees for obtaining support
  • Income taxes less than three (3) years old
  • Income taxes over three years old and tax return not filed more than 2 years ago
  • Income taxes not assessed at least 240 days
  • Payroll taxes, sales taxes, property taxes
  • Debt incurred to pay a nondischargeable federal tax [BC 523(a)(14)]
  • Willful evasion of tax or fraudulent tax return (“tax protester”)
  • Professional Malpractice under extreme circumstances
  • Debts incurred by fraud or lying with the intent to deceive
  • Secured Debts where client wishes to retain the collateral, such as vehicles, home, etc. (May be discharged, but payment must be made to retain the property)
  • Tax or judgment claims secured by lien on property owned by debtor
  • Co-signed debts where debtor does not want creditor to go after the co-signor
  • Unlisted debts. Debts not included on the bankruptcy schedules