What is considered a non-dischargeable debt?

Non-dischargeable debts are debts that cannot be discharged in bankruptcy. In Rhode Island, these debts include: • Child Support and Alimony - Obligations to pay child support and alimony are not dischargeable regardless of when they were incurred. • Student Loans - Federal student loans are generally not dischargeable in bankruptcy unless repaying them would be an undue hardship. Private student loan debts are similarly not dischargeable. • Taxes - Taxes that have not been filed in the last 3 years or taxes that are subject to an assessment or deficiency are not dischargeable. • Fines - Fines, taxes, penalties, or citations imposed by government agencies are generally not dischargeable. • Other Debts - Some other debts, such as debts incurred due to fraud, or from a personal injury judgment, are not dischargeable. Certain debts cannot be discharged in bankruptcy as a matter of public policy, such as debts from willful malicious injuries, gambling debts, and debts for restitution or fines imposed by a criminal court. In short, any debt that falls into any of these categories is considered a non-dischargeable debt in the state of Rhode Island. These debts must be paid back even after going through the bankruptcy process.

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What is considered a non-dischargeable debt?

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