Will Chapter 7 erase all my debt?

No. There are certain debts that Congress has determined are “non-dischargeable” in bankruptcy court. Some common examples are:

  • Certain taxes
  • Spouse and child support obligations
  • Debts resulting from fraud, false pretenses, or false representation
  • Debts arising from death/personal injury caused by DUI
  • Debts owed a single creditor of more than $550 for luxury goods within 90 days of filing
  • Student loans
  • Debts owed to pensions


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