In re Morris, supra. The balance may tip in favor of discharge if, for example, the debtor's budget is very tight or if payment of the debt would jeopardize the debtor's relationship with his children. If the nondebtor spouse is affluent and can easily pay the debt, that circumstance weighs in favor of discharge. At the other end of the spectrum, if the nondebtor is hopelessly in debt, that circumstance likewise weighs in favor of discharge, because the best solution may be for both spouses to seek bankruptcy protection. In re Anthony, supra.
Exceptions Are Disjunctive.
Courts agree that the debtor must meet the showing required on only one of the two exceptions to prevent the debt from being held nondischargeable. In re Florez, supra. The first book that gives women the support and guidance they need to safeguard their marital assets. Too often women find themselves at a disadvantage when their marriage ends.