What debts are not dischargeable in Chapter 7 Bankruptcy?

Chapter 7 Bankruptcy Law in Ohio allows debtors to discharge most debts, including credit card debt, medical debt, and personal loans. However, there are certain debts which cannot be discharged in Chapter 7 Bankruptcy. These include tax debt, most student loan debt, child support, alimony, court fees, certain government-issued fines, and secured debts such as liens or debts associated with a vehicle or home. Tax debt is not dischargeable in Chapter 7 Bankruptcy. This includes any unpaid income taxes associated with past due returns for the past three years. The IRS has the right to go after any unpaid taxes, penalties, and interest. Chapter 7 Bankruptcy cannot discharge most student loans. Some exceptions may apply if the debtor is able to prove that their student loan is causing them “undue hardship.” The debtor must be able to show that they have made a good faith effort to pay back the loan, and that they will not be able to continue to pay back the loan in the future. Other debts that cannot be discharged with a Chapter 7 Bankruptcy include child support, alimony, court-ordered restitution, and any fines associated with a criminal conviction. If the debtor has a secured debt, such as a mortgage or car loan, the debtor is still responsible for repaying the debt. By understanding which debts can and cannot be discharged with Chapter 7 Bankruptcy, debtors in Ohio can make an informed decision about their financial future.

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What debts are not dischargeable in Chapter 7 Bankruptcy?

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