Salem and Haverhill Attorney: Nondischargeable Debt in Bankruptcy

Not all debt can be discharged through bankruptcy. Before you file bankruptcy, it is a good idea to discuss your debt relief options with an honest and trusted bankruptcy attorney. There is no one-size-fits-all approach to debt relief, and what works for one person may not work for another.The Law Offices of Kenneth E. Lindauer provides innovative and creative solutions to people struggling with debt. We can explain what debt can and cannot be removed through bankruptcy. Contact a Salem bankruptcy lawyer today to learn more.

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What Debts Cannot Be Discharged Through Bankruptcy?

Although there are exceptions, the following debts are typically not dischargeable in bankruptcy:

  • Student loans
  • Alimony debts
  • Child support debts
  • Criminal fines
  • Debts for a personal injury caused while drunk driving
  • Most local, state and federal taxes

Additionally, a creditor may choose to object to discharging a certain type of debt. In these cases, it is necessary for the creditor to prove that the debtor is not qualified for the discharge, and certain requirements must be met.

After the bankruptcy process has been completed, a creditor cannot take any collection actions against the debtor. If this happens, the creditor may be fined if the debtor chooses to file a motion with the court to stop the collection actions. Similarly, creditors cannot take any actions against a debtor during the bankruptcy process, upon the issuance of an automatic stay.

Contact a Salem Bankruptcy Attorney

For more information about nondischargeable debts in bankruptcy, contact a Salem, Massachusetts, bankruptcy lawyer today. Call 978-219-7002 or toll free at 978-306-5011. We represent clients in Massachusetts and southern New Hampshire.

Attorney Kenneth Lindauer is a “debt relief agent” as defined by the United States Bankruptcy Code. Under the law a “debt relief agent” is a person who provides bankruptcy assistance to consumers.9