All debts are not discharged by filing a New Jersey Bankruptcy. If you have debts that are not discharged by filing a New Jersey Bankruptcy you must continue to make debt payments.
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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