What is considered a non-dischargeable debt?
Non-dischargeable debts are debts that cannot be eliminated in a bankruptcy case, meaning they must still be paid even after the bankruptcy is complete. In Virginia, some of the most common types of non-dischargeable debts include taxes, student loans, child support, spousal support, fines, and restitution payments. Other debts may also be considered non-dischargeable if the creditor wins an objection to discharge, meaning the creditor successfully argues in court that the debt cannot be discharged. Taxes, both federal and state, are considered non-dischargeable in bankruptcy. This means no matter what type of bankruptcy you file, all taxes must still be paid. Student loans are also non-dischargeable, though there may be exceptions if a person can prove they meet certain criteria such as undue hardship or permanent disability. Child and spousal support payments are also non-dischargeable, and must still be paid even after bankruptcy. Any fines and restitution payments related to criminal acts or civil judgments must also still be paid even after bankruptcy. Lastly, certain types of military debts may also be non-dischargeable, though this will depend on the specifics of the debt and what type of bankruptcy is filed. In summary, non-dischargeable debts can include taxes, student loans, child or spousal support payments, fines or restitution payments, and certain categories of military debts. All of these debts must still be paid after a bankruptcy is complete, regardless of the type of bankruptcy that was filed.
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