Generally, all debts listed on the petition are dischargeable. However, certain types of debt listed in 11 U.S.C. §523 are not dischargeable. Some of the non-dischargeable debts listed in §523 include, but are not limited to:
- Certain taxes and fines;
- Debts arising from certain fraudulent conduct;
- Debts not listed in your bankruptcy petition;
- Alimony, child maintenance or support, and certain other related debts arising out of a divorce decree or separation agreement;
- Debts caused by the Debtor's willful and malicious injury to another;
- Government guaranteed student loans;
- Debts caused by a death or personal injury related to your operation of a motor vehicle while intoxicated; and
- Post-bankruptcy condominium or cooperative owner's association fees.
This list includes only examples of non-dischargeable debts; see 11 U.S.C. § 523 for a complete list. Under § 523, a creditor or party in interest may also file a complaint to have their debt declared nondischargeable.
In a chapter 13 case, the discharge is broader under 11 U.S.C. § 1328(a).