{"id":2482,"date":"2014-01-21T09:00:58","date_gmt":"2014-01-21T14:00:58","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=2482"},"modified":"2018-12-07T08:37:32","modified_gmt":"2018-12-07T08:37:32","slug":"what-debts-are-excluded-from-the-chapter-7-discharge-order","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/what-debts-are-excluded-from-the-chapter-7-discharge-order\/","title":{"rendered":"What Debts Are Excluded From the Chapter 7 Discharge Order?"},"content":{"rendered":"

Most people who file chapter 7 bankruptcy in New York only intend to discharge credit card debt because mortgages and auto loans are secured by houses and cars, respectively, so debtors must continue payment on them to prevent foreclosure or repossession. Generally, though, a chapter 7 discharge applies to all unsecured debts, but that doesn’t mean there are no exceptions. Looking at the form discharge order (Official Form 18) can give debtors a sense of what loans they can expect to not be discharged. There are 10 debts on the reverse side of the form.<\/p>\n

(1) \u00a0Debts for most taxes \u2013 Taxes are dischargeable under certain circumstances<\/p>\n

(2) \u00a0Debts incurred to pay most taxes<\/p>\n

(3) \u00a0Debts that are domestic support obligations \u2013 support for an ex-spouse, child support<\/p>\n

(4) \u00a0Debts for most student loans \u2013 Debtors must file an adversary proceeding against the creditor before filing bankruptcy to include a student loan in a petition.<\/p>\n

(5) \u00a0Debts for most fines, penalties, forfeitures, or criminal restitution obligations<\/p>\n

(6) \u00a0Debts for personal injuries or death caused by the debtor’s operation of a motor vehicle, vessel, or aircraft while intoxicated<\/p>\n

(7) \u00a0Some debts which were not properly listed by the debtor<\/p>\n

(8) \u00a0Debts that the bankruptcy court specifically has decided or will decide in this bankruptcy case are not discharged \u2013 Most often this happens when the debt was incurred fraudulently.<\/p>\n

(9) \u00a0Debts for which the debtor has given up the discharge protections by signing a reaffirmation agreement in compliance with the Bankruptcy Code requirements for reaffirmation of debts \u2013 In most cases this is an auto loan.<\/p>\n

(10)\u00a0 Debts owed to certain pension, profit sharing, stock bonus, other retirement plans, or to the Thrift Savings Plan for federal employees for certain types of loans from these plans \u2013 This one does not come up often.<\/p>\n

Notably, Official Form 18 (PDF<\/a>) describes these as “some of the common debts” that aren’t discharged in a chapter 7 bankruptcy. There are clear exceptions, as noted above, so if you think your debt situation is complicated, then it’s worthwhile to sit down and talk with an experienced New York bankruptcy lawyer.<\/p>\n

For answers to more questions about discharge, bankruptcy, the automatic stay, effective strategies for dealing with foreclosure, and protecting your assets in bankruptcy please feel free to contact experienced Chapter 7 Bankruptcy Lawyer Brooklyn NY<\/a> Bruce Weiner for a free initial consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"

Most people who file chapter 7 bankruptcy in New York only intend to discharge credit card debt because mortgages and auto loans are secured by houses and cars, respectively, so debtors must continue payment on them to prevent foreclosure or repossession. Generally, though, a chapter 7 discharge applies to all unsecured debts, but that doesn’t …<\/p>\n

What Debts Are Excluded From the Chapter 7 Discharge Order?<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,22,7],"tags":[2,30,87],"acf":[],"yoast_head":"\nWhat Debts Are Excluded From the Chapter 7 Discharge Order? -<\/title>\n<meta name=\"description\" content=\"Most people who file chapter 7 bankruptcy in New York only intend to discharge credit card debt because mortgages and auto loans are secured by houses and\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nybankruptcy.net\/main\/what-debts-are-excluded-from-the-chapter-7-discharge-order\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Debts Are Excluded From the Chapter 7 Discharge Order? 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