17 Debts That Might Not Be Discharged In Your 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


John Joseph Volin, P.C.
 Arizona Bankruptcy Attorneys

2033 East Warner Road, Suite 106
 Tempe, Arizona 85284