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What Debts Are Not Discharged in Alabama?

There are certain types of unsecured debt which will not be discharged by filing either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Non-dischargeable debt is determined by federal bankruptcy law. The state of Alabama will have the same non-dischargeable debt as other states. Failure to pay any type of non-dischargeable debt will allow creditors to continue their collection efforts. Non-dischargeable debt for the state of Alabama is listed below:

Non-dischargeable debts in Alabama

  • 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.

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