Bankruptcy helps you resolve many kinds of unsecured debts, like personal loans or credit card debt. But, filing for bankruptcy doesn’t discharge all types of debts.
The U.S. Bankruptcy Code specifies 19 categories of debts that can’t be discharged for Chapters 7, 11, and 12. Chapter 13 bankruptcy has a more limited list.
Common types of non-dischargeable debts
That said, the most common types of non-dischargeable debts include:
- Child support and alimony
- Willful and malicious injury to property or another person
- Some types of unpaid taxes like tax liens
- Income taxes within the last three years (and sometimes longer)
- Personal injury or death caused by the debtor using a motor vehicle while under the influence of alcohol or other substances
- Those not listed in your bankruptcy filing
Federal student loans are difficult to resolve through bankruptcy, but sometimes can be discharged, although you’ll have to file a separate action.