The most common debts such as credit cards, personal loans, medical bills, and payday loans are usually dischargeable. Student Loans, taxes incurred within the last three years, alimony, child support, debts from illegal activity, and any account in which you charged $600 or more in the last 90 days on luxury items including travel prior to filing are all not dischargeable in bankruptcy. For best results you should wait up to a year in between significant charges or debt incurred to avoid potential objections from creditors.