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Filing bankruptcy in New Jersey will not discharge the following types of debts:

  • Debts for personal injuries (including driving while intoxicated by drugs or alcohol)
  • Student loans (exceptions may be made if you can prove that there would be an undue hardship if it was repaid)
  • Fines or penalties for any criminal offenses, including traffic fines
  • Income tax debts (from the past 3 years)
  • Debts omitted from the bankruptcy documents
  • Child support or spousal support payments

Debts not discharged by filing a New Jersey Chapter 7 Bankruptcy case (if challenged by the creditor)

Debts incurred from larceny, breach of trust or embezzlement, Debts from the malicious or willful injury of another person or their property, Credit purchases of $1,150 or more for luxury goods or services within 60 days of filing Chapter 7 Bankruptcy in New Jersey, Debts incurred from fraud, Debts owed from a divorce decree or settlement (may be discharged if the court determines the benefit you would receive by the discharge outweighs the detriment to your ex-spouse).


More Help on What debts are not discharged by filing a New Jersey Bankruptcy?

  • New Jersey Bankruptcy Information - Filing a Chapter 7 Bankruptcy in New Jersey can be the simplest, fastest and easiest way to discharge many types of unsecured debts, including medical bills and credit card debts. Unfortunately, changes to the bankruptcy laws in 2005 and have made it more difficult to qualify for a New Jersey Chapter 7 Bankruptcy. - read more

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Chapter 7 and Chapter 13 Bankruptcy Help

The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

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