What are the exceptions to discharge
in bankruptcy?

The purpose of filing bankruptcy is to eliminate debt. However, the Bankruptcy Code provides for certain exceptions to discharge. In other words, even if you file bankruptcy and are granted a discharge where your debt is eliminated, you may still owe certain types of debt. Only an experienced bankruptcy attorney can advise you as to whether your debt will be discharged and eliminated at the end of your case. However, for general purposes, you can expect to remain liable on the debt listed below, even after you file and receive a discharge in bankruptcy:

  • Student loan debt;
  • Certain tax debt, including income tax debt and sales tax;
  • Domestic support obligations such as child support arrears;
  • Government fines or penalties

There are other exceptions to discharge, but usually they rarely occur. In fact,filing bankruptcy generally eliminates most, if not all debt once a discharge is issued in the case. If you are concerned with whether the debt that you owe is subject to discharge in bankruptcy, you should contact The Nesbitt Law Firm today. During your free initial consultation, will discuss whether bankruptcy is right for you, what debt we can eliminate in bankruptcy, and your strategy for repayment after filing bankruptcy for any debt that is not discharged.


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    Laura M. Nesbitt

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