If a debt is discharged, you are no longer obligated to repay it.

Which debts are discharged depends what type of debts you have. Some debts are not dischargeable in bankruptcy.

Debts that are not discharged include debts for certain taxes, certain unscheduled debts (creditors with debts not listed in your paperwork), alimony, maintenance or support debts, pre-petition fines or restitution, debts for injury or death caused by use of drugs or alcohol, and most student loans.

Other debts that may not be discharged include debts you may have incurred through fraud or by willful or malicious actions. If the creditor does not ask the court to rule on these debts, they will be discharged.

Whether you file chapter 7 or chapter 13 will also impact what types of debts can be discharged. For more information on the differences, review our pages discussing chapter 7 and chapter 13 in more detail.