Criminal fines and debts - If you have incurred debt as a result of criminal activity or negligence, such as debts and judgments related to personal injury or the death of others, Chapter 7 will not discharge what you owe. Taxes - Most tax debt cannot be discharged in bankruptcy; however, in some instances, tax debt can be discharged. Fraudulent Debt - If a court has found that you obtained debt fraudulently or illegally, it cannot be discharged. As an example, if you incurred a lot of credit card debt shortly before filing bankruptcy, the court will typically refuse to discharge that debt. Or, if you lied and/or used false information on a loan application to obtain funds, the incurred debt will not be forgiven even if you file for bankruptcy. Alimony and Child Support Payments - Payments ordered during divorce court can potentially be renegotiated, but these debts will not be discharged following Chapter 7 bankruptcy. Student Loans - Student loans, in general, are very difficult to discharge. In rare instances, particularly those involving a severe hardship condition, those filing for Chapter 7 bankruptcy are exempt from paying student loan debts. However, in 2022, the Biden Administration and the Department of Education have taken steps to have the U.S. Department of Justice ease the process of discharging student loans through bankruptcy.