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Which debts do I still owe after Bankruptcy?

Many of your debts will be discharged after your complete your Chapter 7 or Chapter 13 bankruptcy. When you receive your discharge order from the bankruptcy court, then you no longer have legal responsibility to repay those debts. However, certain types of debts cannot be discharged in either a Chapter 7 or Chapter 13 bankruptcy. You will still be responsible for repaying these debts after you file for bankruptcy. Bankruptcy does not eliminate:

  • Student loans.  Almost no student loans are canceled as a result of a bankruptcy's discharge order.   While you can ask the court to discharge the loans if you can prove that paying them is an "undue hardship," courts only approve this request in the most extreme hardship situations.    
  • Debts for most taxes.  The vast majority of tax debts cannot be discharged.  However, occassionally, older tax debts may be discharged.  If you have tax debts, please call Attorney Weber at (203) 653-5133 to find out if these debts may be discharged.
  • Debts for alimony, maintenance or support for a spouse or children. 
  • Debts for fines, penalties or criminal restitution.  These debts include even tickets for traffic violations and parking tickets.
  • Drunk driving injury claims.

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