- Criminal
fines or restitution or drunken driving injury claims.
- Guaranteed
Educational Loans.
- Fine
or penalty owed to governmental unit.
- Damages
arising from willful injury to person or property.
- Spousal
or child support, or ex-spouses attorney fees for obtaining support.
- Income
taxes less than three (3) years old.
- Income
taxes over three years old and tax return not filed more than 2 years ago.
- Income
taxes not assessed at least 240 days.
- Payroll
taxes, sales taxes, property taxes.
- Debt
incurred to pay a nondischargeable federal tax [BC 523(a)(14)].
- Willful
evasion of tax or fraudulent tax return (““tax protester””).
- Professional
Malpractice under extreme circumstances.
- Debts
incurred by fraud or lying with the intent to deceive.
- Secured
Debts where client wishes to retain the collateral, such as vehicles, home,
etc. (May be discharged, but payment must be made to retain the property).
- Tax
or judgment claims secured by lien on property owned by debtor.
- Co-signed
debts where debtor does not want creditor to go after the co-signor.
- Unlisted
debts. Debts not included on the bankruptcy schedules.
|
Chapter
7 - Getting a fresh start.
Chapter
13
Tragic misconceptions
about bankruptcy.
17
Debts that might not be discharged in your bankruptcy.
13
Rules you must know before filing bankruptcy.
Stopping
creditors
Immediate
relief after the bankruptcy petition has been filed.
Foreclosure
of your mortgage.
Life
after bankruptcy.
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