What is considered a non-dischargeable debt?

A non-dischargeable debt is a debt that can not be eliminated or discharged in a bankruptcy. In the state of California, there are certain debts that may not be discharged under either Chapter 7 or Chapter 13 bankruptcy. Non-dischargeable debts include student loans, alimony, child support, most taxes, most fines, and restitution. In addition, any debt that has been obtained by fraud or false information, such as credit card debt that was used for luxury items after filing for bankruptcy, is non-dischargeable. Additionally, any debt that is owed to a government entity, such as state or federal taxes, is also non-dischargeable. These debts must be paid in full, regardless of the bankruptcy filing. Personal injury debts that were incurred while intoxicated, debts for willful and malicious harm to another person, and debts incurred through fraud or misrepresentation are also non-dischargeable in California. All of these debts must be paid in full in order to complete a bankruptcy discharge. Any debt that is not included in the list of non-dischargeable debts may be eliminated in a bankruptcy filing.

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What is considered a non-dischargeable debt?

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