Are there any debts that cannot be discharged in bankruptcy?
Yes, there are certain debts that cannot be discharged in bankruptcy in Washington. These are called "non-dischargeable debts," and they include taxes, alimony, child support, student loans, criminal fines, and debts incurred through fraud. Tax debts are non-dischargeable because they are owed to the government and are necessary for the public good. Alimony and child support debts are also not dischargeable as they are court ordered and necessary for the upkeep of family members. Student loans are not dischargeable because they are typically secured and backed by the government. Similarly, criminal fines are not dischargeable as they are a form of punishment for a crime and must be paid back in order to make up for wrong-doing. Debts incurred through fraud are non-dischargeable as they are deliberately acquired dishonestly and must be paid back in order to make the injured party whole. In Washington, these non-dischargeable debts must be paid back even after filing for bankruptcy. Filing for bankruptcy does not wipe out these obligations and it is important to understand which debts are not dischargeable in order to make an informed decision about filing for bankruptcy.
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