What Debts Can’t be Erased by Filing Bankruptcy?

Debts that can’t be erased by filing bankruptcy include student loans, most taxes, child support, alimony and debts incurred through fraud.

If you file for bankruptcy, certain debts will still remain. This is because some types of debt are not able to be discharged through this process. The main types of debt that can’t be discharged through bankruptcy are student loans, most taxes, child support, alimony and debts incurred through fraud.

For example, if you file for Chapter 7 bankruptcy, also known as liquidation bankruptcy, your student loans will not be dischargeable. The same is true for Chapter 13 bankruptcy, also known as reorganization bankruptcy. In order to have your student loans discharged through bankruptcy, you would need to prove that paying them back would cause an undue hardship on you and your family.

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