Phoenix Discharged Debts
DEBTS WHICH MAY NOT BE DISCHARGED THROUGH YOUR BANKRUPTCY.
- Guaranteed Educational Loans.
- Income taxes less than three (3) years old.
- Income taxes over three years old and tax return not filed more than 2 years ago.
- Income taxes not assessed at least 240 days.
- Payroll taxes, sales taxes, property taxes.
- Debt incurred to pay a nondischargeable federal tax [BC 523(a)(14)].
- Willful evasion of tax or fraudulent tax return (“tax protester”).
- Tax or judgment claims secured by lien on property owned by debtor
- Spousal or child support, or ex-spouses attorney fees for obtaining support.
- Debts incurred by fraud or lying with the intent to deceive.
- Criminal fines or restitution or drunken driving injury claims.
- Fine or penalty owed to governmental unit.
- Damages arising from willful injury to person or property.
- Professional Malpractice under extreme circumstances.
- Secured Debts where client wishes to retain the collateral, such as vehicles, home, etc. (May be discharged, but payment must be made to retain the property).
- Co-signed debts where debtor does not want creditor to go after the co-signor.
- Debts not included on the bankruptcy schedules.