What Types Of Debts Are Discharged During Chapter 7?

The question should really be what debts ARE NOT DISCHARGED (the answer is: all debts are discharged, except those that are NOT discharged, which is as follows:

• If a debt is secured (home mortgage, or car loan) you must keep paying it or the bank will move to foreclose.
• Debts for income taxes due within the last 3 years
• Income taxes for which you did not file a return are not discharged
• Withholding taxes for your employees
• Sales taxes not paid
• Child support and maintenance
• Equitable distribution
• A debt for Money, property or services you obtained by false pretenses, a false representation or actual fraud or a false financial statement
• Fraud misuse of property if you were acting as a fiduciary (executor or trustee
• Embezzlement or larceny
• Willful or malicious injury
• Governmental fines
• Student loans (unless you can prove it would be an undue hardship for you to repay it)
• Personal injury caused while you were on drugs or drunk
• A debt you did not list in your bankruptcy schedules
• Criminal restitution