What debts are NOT discharged in bankruptcy?

Certain debts are not dischargeable which means that bankruptcy does not take care of them and you will still owe them after the case and you should be aware of these. These debts include:

·Any creditor that you did not properly list and lacked notice of the bankrupt­cy;

·Student loans including loans obtained for educational purposes;

·Injuries caused while driving while intoxicated;

·Most child support and alimony payments and some marital property divisions(if you promised to take some credit card debts in the decree, then your ex-spouse will have a claim against you after the bankruptcy even if you discharge the creditor);

·All business payroll taxes and many income taxes and sales taxes; and

·Debts to a creditor who can prove that you de­frauded it in obtaining credit or an extension of credit. Debts to a credit card for recent cash advances or luxury purchases are examples. There is a presumption that you intended to defraud the creditor(you knew or should have known that you couldn’t pay the money to the creditor when you charged) if the charges are within 90 days of the date of the filing of the petition(necessities are excepted from this  such as food, gas, car repairs);