Debts That have been incurred by the use of False financial statements or by the use of Other False pretenses. In Other words, Debts That the debtor failed to schedule as required at the start of the bankruptcy case. Debts That arise from fraud or embezzlement, or from the misuse of funds when the debtor was acting as a fiduciary. For example, embezzling money from a relative's trust fund over which the debtor had control. Alimony maintenance and child support.
Any debt incurred from willful or malicious injury are generally Nondischargeable.
Fines and penalties are Nondischargeable. Most educational loans cannot be discharged although a hardship exception allows a debtor to avoid certain educational loans. Debts arising from a judgment incurred from drunk driving. You can make a voluntary repayment plan with a creditor without the courts approval as long as it is not considered preference. This may be beneficial to You because unlike the reaffirmation, You can stop paying at any time and the creditor cannot attempt to collect.