Debts You Cannot Discharge in a New York or New Jersey Chapter 7 Bankruptcy Cases
If a Bankruptcy Court grants you a discharge in a Chapter 7 Bankruptcy case, it means that you are legally free and clear of any obligation to repay certain debts. Your creditors will no longer have any right to collect the debt and you will no longer have any obligation to repay it. However, before a debtor files a bankruptcy petition under Chapter 7 of the Bankruptcy Code, debtors must consider the fact that there are certain debts and liabilities that cannot be discharged.
Typically, in a Chapter 7 Bankruptcy case, the following types of debts cannot be discharged:
- Domestic Support Obligations, alimony and child support
- Debts not included on the schedules of the debtor’s bankruptcy petition
- Student Loans
- Certain Taxes and Tax Liens
- Debts obtained through Fraud
- Debts owed for Fines and Penalties to governmental units
- Condominium or Cooperative association fees or assessments
- Debts for Personal injury caused by Debtor’s operation of motor vehicle while intoxicated
- Debts for willful and malicious injury to person or property