What Are Nondischargeable Debts?
Even though bankruptcy is designed to give debtors a fresh start, not all debts can be wiped out. Section 523(a) of the Bankruptcy Code lists specific categories of debts that are excepted from discharge -- meaning they survive the bankruptcy case and must still be repaid.
These exceptions apply in both Chapter 7 and Chapter 13 cases, though the scope differs. Chapter 13 historically discharged more types of debt than Chapter 7 (the so-called "super discharge"), but the 2005 BAPCPA amendments narrowed that gap significantly.
Understanding which debts are nondischargeable is critical before filing. If most of your debt falls into a nondischargeable category, bankruptcy may not provide the relief you need -- or you may need to choose a different chapter or strategy.
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Coming Soon
This site is under active development. When complete, it will cover:
The 21 categories of nondischargeable debt under Section 523(a), including tax debts, student loans, fraud-based obligations, domestic support obligations, DUI judgments, and more. Each category will include the statutory text, key court interpretations, and practical guidance for debtors trying to understand their exposure.
Adversary proceedings -- some Section 523(a) exceptions require the creditor to file a lawsuit (adversary proceeding) within the bankruptcy case. Others are automatic. We will explain the difference and the deadlines that apply.
While we build this page, check out our free screening tool:
Free Discharge Screener at 1328f.com