Answer:

Many times, people ask us what type of debts would not be dischargeable in Chapter 7 bankruptcy in Georgia. Most debts are dischargeable. Debts that have liens against your car or your house, while perhaps dischargeable, continue to exist; in other words, if you don’t make the payments, they can reprocess your car or take your house.

Other debts, for the most part, are dischargeable; things like income taxes that are due within two to three years of the filing of the bankruptcy, of course, would not be dischargeable. Student loans are not dischargeable; alimony and child support are not dischargeable. A big one which we hardly ever see is if you were – you injured someone in drunk driving. Of course, that debt may not be dischargeable.

Or if you incur debts through fraud such as you mislead a creditor, you wrote down that you had a piece of collateral, but you did not have a piece of collateral when you borrowed the monies. Those kinds of things are not dischargeable. Fraud, drunk driving, child support, alimony, student loans, and any type of taxes that were incurred within two to three years of the filing of bankruptcy are typically not dischargeable. If you have any questions, please give us a call.