{"id":5817,"date":"2025-08-29T13:58:25","date_gmt":"2025-08-29T18:58:25","guid":{"rendered":"https:\/\/www.accrediteddebtrelief.com\/blog\/?p=5817"},"modified":"2025-08-29T13:58:25","modified_gmt":"2025-08-29T18:58:25","slug":"what-bankruptcy-doesnt-resolve-meet-the-non-dischargeable-debts-that-stick-around","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/what-bankruptcy-doesnt-resolve-meet-the-non-dischargeable-debts-that-stick-around\/","title":{"rendered":"What Bankruptcy Doesn\u2019t Resolve: Meet the Non-Dischargeable Debts That Stick Around"},"content":{"rendered":"\n<p>Filing for <a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/bankruptcy-basics-what-actually-happens-when-you-file\/\">bankruptcy<\/a> can majorly improve your financial standing \u2014 but some things don\u2019t go away when you file. These debts are called \u201cnon-dischargeable,\u201d which means you still owe them, no matter what happens in court.<\/p>\n\n\n\n<p>We\u2019ll help you understand which debts stick around, why they\u2019re different and what you can do next if you\u2019re dealing with them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Non-Dischargeable Debts<\/h2>\n\n\n\n<p>Some debts are protected by law and <a href=\"https:\/\/www.uscourts.gov\/court-programs\/bankruptcy\/bankruptcy-basics\/chapter-7-bankruptcy-basics#what-is-not\" target=\"_blank\" rel=\"noreferrer noopener\">can\u2019t be wiped out<\/a> in bankruptcy. The most common ones include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Child Support and Alimony<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The care and maintenance of the children you\u2019re responsible for is a cost you cannot discharge during bankruptcy. If you fall behind, the total you owe can grow quickly and lead to other legal problems.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Most Student Loans<\/strong><\/li>\n<\/ul>\n\n\n\n<p>In most cases, student loans do not get erased in bankruptcy, no matter if they\u2019re private or federal. The rules make it hard to walk away from student loan debt, even when you&#8217;re struggling.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recent Tax Bills<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Federal, state and local income taxes from the recent past typically do not get cleared during the bankruptcy process. The IRS and state tax agencies have strong legal tools at their disposal, so make sure you catch up on these before they move against you to collect.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Court Fines or Injury Judgments<\/strong><\/li>\n<\/ul>\n\n\n\n<p>If a court orders you to pay a fine, fee or a personal injury claim (like from a DUI), those debts typically stay. Remember: Bankruptcy doesn\u2019t change court penalties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Possible Exceptions to Bankruptcy-Expempt Debts<\/h2>\n\n\n\n<p>In rare cases, some of these debts may be discharged. But it\u2019s best to not count on it \u2014 any exceptions to the rule come with scratch legal requirements and extra steps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Student Loans<\/h3>\n\n\n\n<p>Some student loans <a href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\/bankruptcy\" target=\"_blank\" rel=\"noreferrer noopener\">may qualify for discharge<\/a> if you can prove that repaying them would cause \u201cundue hardship.\u201d To claim this, you need to prove in court that you cannot maintain a basic standard of living while repaying the loans, your situation is unlikely to improve and that you\u2019ve tried \u2014 and failed \u2014 to repay your debts.\u00a0<\/p>\n\n\n\n<p>Typically, attempts to discharge student loan debts require a separate legal action. These cases can be tricky, so it\u2019s always a good idea to consult with a lawyer before pursuing student loan discharge during bankruptcy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Older Tax Debts<\/h3>\n\n\n\n<p>Some income taxes can be discharged if they meet <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/declaring-bankruptcy\" target=\"_blank\" rel=\"noreferrer noopener\">specific rules<\/a>. The debt must be old enough, filed correctly and meet other timing tests. This does not apply to payroll or fraud-related taxes.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why You Need to Pay Attention to Non-Dischargeable Debts<\/h3>\n\n\n\n<p>When working through bankruptcy, these non-dischargeable debts can throw a major wrench in your future financial plans. These debts may not offer flexible repayment terms, while non-payment can lead to wage garnishment or frozen bank accounts. Creditors can even restart collection efforts once your bankruptcy case ends. So do yourself a solid and focus on getting a plan in place early to deal with these debts.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Manage Non-Dischargeable Debts&nbsp;<\/h2>\n\n\n\n<p>Like all financial matters, making a plan rooted in your real budget is the best course of action.&nbsp;<\/p>\n\n\n\n<p>Start by listing what\u2019s still owed and when payments are due. Then review your income and spending to see what\u2019s realistic. You may need to adjust your monthly budget or cut back in a few areas to stay current.<\/p>\n\n\n\n<p>You might also find a <a href=\"https:\/\/www.nfcc.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">certified credit counselor<\/a>, financial advisor or legal expert to help you review options based on the type of debt and your overall situation. Many offer free or low-cost support \u2014 so take advantage of their expertise as your situation requires.\u00a0<\/p>\n\n\n\n<p>Bankruptcy isn\u2019t easy, but you\u2019re moving in the right direction. Keep up the good work!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Filing for bankruptcy can majorly improve your financial standing \u2014 but some things don\u2019t go away when you file. These debts are called \u201cnon-dischargeable,\u201d which means you still owe them, no matter what happens in court. We\u2019ll help you understand which debts stick around, why they\u2019re different and what you can do next if you\u2019re [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":5818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[48],"tags":[],"class_list":["post-5817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt"],"accredited":{"author":{"name":"Sophia Grant","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/sgrant\/"},"categories":[{"name":"Debt","slug":"debt","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/debt\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2025\/08\/HiddenBankruptcy_0825Blog-1024x576.png"},"acf":{"edited_by":"","reviewed_by":"","fact_checked_by":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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