Which debts survive bankruptcy?
CArosa_p1 month ago
I know not everything gets wiped. What survives?
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✓ Verified answer from a licensed attorney — shown first
The big ones that survive: domestic support obligations (child support, spousal support), most tax debts under three years old, most criminal restitution and fines, debts incurred by fraud (if a creditor proves it), most student loans (with the discharge procedure above), and DUI-injury debts. Secured debts (mortgage, car loan) aren't 'wiped' either — but the personal obligation is wiped; you can give the asset back and walk away. What clears beautifully: credit card debt, medical debt, payday loans, deficiency balances on repossessed cars, personal loans, old utility bills.
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Please readThis is a community space for sharing personal experience — it is not legal advice, and posts here are not from Lawma or your attorney. We strongly encourage you to post under an anonymous handle, keep questions general, and avoid posting private details of your active case. For advice about your own situation, message your attorney.