What Debts are not discharged in Indiana?
There are some debts that are considered non-dischargeable. Non-dischargeable debt will not be discharged by filing either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. All non-dischargeable debts are determined by federal bankruptcy law.
The non-dischargeable debts will be the same for Indiana as they are for all the other states. Failure to continue your debt payments for non-dischargeable debt will allow your creditors to legally continue all other debt collection efforts.
In the state of Indiana, the following debts are considered non-dischargeable:
- Federal, state and local taxes. May be subject to specific time rules.
- Spousal Support/Alimony
- Child Support Payments
- Most Student Loans
- Mortgage Liens
- Certain types of purchases for luxury items within 90 days of filing
- Secure Debt
- Penalties and fines by government agencies
- Fraud committed in a fiduciary role including larceny and embezzlement
- Punitive damages assessed for “willful and malicious acts”
- Debts not outlined on the schedule and forms filed with the Bankruptcy Court
- Drunk Driving fines
- Certain cash advances or purchases for luxury items with in a certain time frame.
