Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.

Request A Meeting
  1. Home
  2.  | 
  3. Bankruptcy FAQs
  4.  | What Debts Can’t Be Discharged In Bankruptcy?

What Debts Can’t Be Discharged In Bankruptcy?

Filing for bankruptcy is a lifesaver for many individuals unable to pay down, for instance, credit card debt or medical bills.

However, there are limitations; Congress has stipulated that certain debts cannot be discharged in bankruptcy regardless of the type of bankruptcy filed.

Nondischargeable Debts In A North Carolina Bankruptcy

Whether a debtor has opted to file a Chapter 7 or Chapter 13 bankruptcy, the following debts cannot be discharged and the obligation to repay remains:

1. Child support or alimony arrearages

2. Student loans (unless an undue hardship can be established through an Adversary Proceeding)

3. Federal, state and local taxes (less than three-years-old)

4. Traffic tickets, penalties or criminal restitution

If a debtor opts to file bankruptcy and has any of the above nondischargeable debts, the way they will be treated will depend on the type of bankruptcy filed and whether they are classified as “priority debts.”

Contact Gillespie & Murphy, P.A., Today

For more information on nondischargeable debts, reach out to an experienced bankruptcy attorney who can offer advice on specific circumstances.

Appointments are available at any one of our four office locations in New Bern, Greenville, Jacksonville and Wilmington, North Carolina.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Reach Out Today

Call 252-558-1374 or email today | Free consultations | Four convenient office locations.

We are a debt relief agency under the United States Code. We help people file for bankruptcy relief under the Bankruptcy Code

Gillespie & Murphy Group Photo