Beware! Some Debts Are Not Discharged in Bankruptcy

Although the housing market is supposedly recovering from the real estate crises, many homeowners are still struggling to make their mortgage payments. If you are one of them, you may be trying to decide whether a short sale and/or filing for bankruptcy is the best option for you.

Although the housing market is supposedly recovering from the real estate crises, many homeowners are still struggling to make their mortgage payments. If you are one of them, you may be trying to decide whether a short sale and/or filing for bankruptcy is the best option for you.

When you emerge from a successful personal bankruptcy case, you typically have discharged or eliminated the majority of your debts. However, it is important to understand that there are a few specific types of debts that are not eligible for discharge, including:

Taxes. There are certain taxes that cannot be discharged. It is important to confer with us to determine whether your taxes will be discharged.
Child support. Individuals who are entitled to receive child support or alimony are protected by law. A debtor who is obligated to pay maintenance to their ex-spouse or child support cannot discharge the debt in bankruptcy.
Student loans. It is difficult, but not impossible, to discharge student loans. The debtor must prove that repaying the student loan debt will impose an “undue hardship” on the debtor in order to have the debt discharged. Proving undue hardship is a difficult burden to meet.
Debt incurred by fraud. Debts that are incurred under false pretenses or as the result of fraudulent activities are non-dischargeable.
Criminal fines. A debtor that has been ordered to pay criminal restitution by order of a court cannot discharge the debt. This includes traffic tickets and monetary liability for driving under the influence of drugs or alcohol (including court-ordered compensation to an accident victim).
Certain credit purchases. A debtor who buys luxury goods or services with a credit card, particularly if the purchases were made within the 90 days preceding the filing, may remain liable to pay for those debts.

It is important to meet with a seasoned bankruptcy attorney to discuss all of your debts and determine if any of them are non-dischargeable.

Please keep in mind that every case is different. If you have questions about filing personal bankruptcy and what debts can be eliminated in your filing and would like to schedule a no-cost consultation, please contact our office by completing the form on this website or calling us at 954-466-0541.

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       If you are considering filling for bankruptcy , this would be the firm to use! Jonathan is very experienced as well as all of his team, Specially Anne ! They made the process very easy and my case was approved due to their help and expertise! I am very grateful to have had them representing me !
  
 
    
   Xime Basa 
 2023-09-28
 
 
 
      I highly recommend LSS Law. No complaints. Jonathan, Ann, and Maria were very professional and clear in all our communications, which makes everything really easy.
  
 
    
   Donald Galindo 
 2023-09-05
 
 
 
      Great service. Friendly and helpful staff. Highly recommend.
  
 
    
   Al La 
 2023-03-29
 
 
 
      Jonathan and Anne were wonderful and I thank you for helping me with my new beginning.
  
 
    
   ADRIANNE SURRENCY 
 2023-03-29
 
 
 
      I had a wonderful experience with Jonathan Leiderman at LSS Law. Not only is he well experienced, but he is also very patient and supportive throughout a tough time. I appreciate that he takes such a hands-on approach where there is no going through office staff and waiting for a reply. He deals with you one-on-one, and he is your single point of contact. He takes time to answer all your questions and takes the time to ensure that you understand every aspect. He is highly communicative and does so in a timely manner.... I always got a response within minutes or hours, at the latest 24 hours. I don't know how he does it all, but I am grateful that I had him to represent me! I highly recommend Jonathan and LSS Law!
  
 
    
   Jewel Nicholson 
 2023-02-16
 
 
 
      Jonathan Leiderman did a phenomenal job representing me and taking on my case.  His knowledge, experience, and diligence quickly became apparent through his work product and the correspondence that he maintained with me.  Furthermore, he was always quick to answer my questions and put my mind at ease during the entire process.  Jonathan and LSS Law will forever have my gratitude and I highly recommend their services to anyone who is in need of them.
  
 
    
   Ali 
 2023-02-06
 
 
 
      I am really greatful to attorney Jonathen Leiderman for patiently working with me through a very stressful period of ambivalence, and then towards resolution of a difficult predicament. His professionalism and empathy were exceptional. I would recomend him to all who need similar services.
  
 
    
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 2022-04-04
 
 
 
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 2021-10-08
 
 
 
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Xime Basa

If you are considering filling for bankruptcy , this would be the firm to use! Jonathan is very experienced as well as all of his team, Specially Anne ! They made the process very easy and my case was approved due to their help and expertise! I am very grateful to have had them representing me !

Donald Galindo

I highly recommend LSS Law. No complaints. Jonathan, Ann, and Maria were very professional and clear in all our communications, which makes everything really easy.

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Beware! Some Debts Are Not Discharged in Bankruptcy

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