What is considered a non-dischargeable debt?

In Hawaii, a non-dischargeable debt is a debt that cannot be eliminated through bankruptcy. This means that even after filing for bankruptcy, the debtor (person who owes the debt) must still pay the non-dischargeable debt. Generally, most types of taxes, debts associated with fraud, loans taken out with the intention of not paying them back, and child support or spousal maintenance payments are considered to be non-dischargeable debts. Student loans are also a type of non-dischargeable debt, as are any debts used to purchase luxury items or services within 90 days of filing for bankruptcy. Any debts owed as penalties or fines for violating a law, such as traffic violations, are also non-dischargeable. Finally, debts obtained through willful and malicious acts, such as intentionally causing physical harm to someone, are also not dischargeable. Even if a debt is not discharged, however, the bankruptcy process can still make it easier to pay the debt by reducing interest rates or consolidating multiple debts into one payment. The debtor can then use the money that was previously going towards paying off other debts to pay off the non-dischargeable debt more quickly.

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What is considered a non-dischargeable debt?

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