{"id":2668,"date":"2018-09-24T22:38:23","date_gmt":"2018-09-24T22:38:23","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=2668"},"modified":"2018-09-24T22:39:23","modified_gmt":"2018-09-24T22:39:23","slug":"non-dischargeable-debts-1","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/","title":{"rendered":"Non-dischargeable Debts in Bankruptcy &#8211; Part 1"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Non-Dischargeable_Debts_in_Bankruptcy_%E2%80%93_Part_1\"><\/span>Non-Dischargeable Debts in Bankruptcy &#8211; Part 1<span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-663280415373f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-663280415373f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Non-Dischargeable_Debts_in_Bankruptcy_%E2%80%93_Part_1\" title=\"Non-Dischargeable Debts in Bankruptcy &#8211; Part 1\">Non-Dischargeable Debts in Bankruptcy &#8211; Part 1<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Some_Debts_Cant_Be_Discharged_in_Bankruptcy\" title=\"Some Debts Can\u2019t Be Discharged in Bankruptcy\">Some Debts Can\u2019t Be Discharged in Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Child_Support_Non-Dischargeable_in_Bankruptcy\" title=\"Child Support Non-Dischargeable in Bankruptcy\">Child Support Non-Dischargeable in Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Criminal_Fines_and_Restitution_Non-Dischargeable_in_Bankruptcy\" title=\"Criminal Fines and Restitution Non-Dischargeable in Bankruptcy\">Criminal Fines and Restitution Non-Dischargeable in Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Driving_Under_the_Influence_Non-Dischargeable_in_Bankruptcy\" title=\"Driving Under the Influence Non-Dischargeable in Bankruptcy\">Driving Under the Influence Non-Dischargeable in Bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Post-Petition_HOA_Fees\" title=\"Post-Petition HOA Fees\">Post-Petition HOA Fees<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/non-dischargeable-debts-1\/#Contact_Us\" title=\"Contact Us\">Contact Us<\/a><\/li><\/ul><\/nav><\/div>\n\n<h3><span class=\"ez-toc-section\" id=\"Some_Debts_Cant_Be_Discharged_in_Bankruptcy\"><\/span>Some Debts Can\u2019t Be Discharged in Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While most debts can be relatively easily eliminated, some are non-dischargeable in bankruptcy. Some of these exceptions apply regardless of what kind of bankruptcy you file, others are treated differently depending on whether you file Chapter 13 or Chapter 7.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Child_Support_Non-Dischargeable_in_Bankruptcy\"><\/span>Child Support Non-Dischargeable in Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One kind of debt that cannot be simply eliminated is a domestic support obligation, such as child or spousal support. While a Chapter 7 bankruptcy will not eliminate this obligation, Chapter 13 is often a great way of dealing with a past\u00a0due child support obligation. Chapter 13 will enable you to pay the back balance over five years and interest-free.<\/p>\n<p>You are required to describe any domestic support owing at the time of filing even though you aren\u2019t eliminating it. Moreover, the bankruptcy trustee is obligated under the bankruptcy code to notify the party who receives the support and the appropriate child support enforcement agency, normally Arizona, of the bankruptcy filing. Like any other creditor, the party who is the payee under the domestic support obligation will get written notices at the time of both the bankruptcy filing and discharge.<\/p>\n<p>While Chapter 13 is a great vehicle for catching up on past due child and spousal support. Falling behind during the pendency of your case can result in a quick dismissal or refusal of discharge if the creditor makes it an issue. Do not fall behind on this obligation during your chapter 13 bankruptcy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Criminal_Fines_and_Restitution_Non-Dischargeable_in_Bankruptcy\"><\/span>Criminal Fines and Restitution Non-Dischargeable in Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As you might suspect, restitution obligations and fines imposed in criminal matters are non-dischargeable debt in either Chapter 7 or Chapter 13 Bankruptcy. Moreover, civil fines and penalties owed to a governmental unit are not dischargeable in Chapter 7 provided that they were imposed for the benefit of the government and must be punitive in nature rather than to compensate the government for a financial loss.<\/p>\n<p>The rules for discharge are looser in Chapter 13 where many run-of-the-mill tickets, as well as civil penalties and fines, can be eliminated. Arizona drivers are often pleasantly surprised to find out that they will be getting their licenses back immediately after years of suspension because we will be eliminating the fines and penalties in the Chapter 13 case.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Driving_Under_the_Influence_Non-Dischargeable_in_Bankruptcy\"><\/span>Driving Under the Influence Non-Dischargeable in Bankruptcy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While the bankruptcy laws generally allow you to eliminate accident-related claims you may owe to an injured person in their entirety, you can never discharge any debts related to driving under the influence. This is true for both Chapter 7 and Chapter 13 and applies to debts related to both injury and death.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Post-Petition_HOA_Fees\"><\/span>Post-Petition HOA Fees<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Not all HOA fees can be discharged in bankruptcy. First, don\u2019t expect to walk away from HOA fees owing prior to filing outright if you are keeping the property. Past due HOA arrears can, however, be paid off through a Chapter 13 Plan at a slow manageable pace. What if you aren\u2019t keeping the house or have already left it?<\/p>\n<p>Pre-petition HOA fees can be easily discharged in bankruptcy. Post-Petition <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/understanding-your-mortgage-debt\/\">HOA fees<\/a> are not going anyway. You may be walking away from the house but the post-petition HOA fees will continue to accrue until there is an actual foreclosure sale. If you have already left the home this can be annoying. After all, you aren\u2019t getting any benefit out of the house and you are still paying the HOAs. If, however, you are letting go of the house but haven\u2019t done so yet, you may want to consider (with the advice of counsel) staying in the property until the foreclosure sale. After all, you want to get some benefit from your HOA fees.<\/p>\n<p>One real worry with HOA fees and the pre-petition\/post-petition distinction is what if the HOA imposes a massive assessment, say, to redo all the roofs and paint all the units. This is something that you will really want to discuss with counsel.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Contact_Us\"><\/span>Contact Us<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>All things being equal if you sense a big assessment is coming around the bend and you anticipate filing Chapter 7, you want to wait to file your Chapter 7 until after the assessment has been made or you could end up getting stuck with a big post-bankruptcy bill. As they say, forewarned is forearmed. If you have any questions about non-dischargeable debts, please set an appointment with us at Phoenix Fresh Start Bankruptcy Attorneys. Stay tuned for the next installment of non-dischargeable debts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Non-Dischargeable Debts in Bankruptcy &#8211; Part 1 Some Debts Can\u2019t Be Discharged in Bankruptcy While most debts can be relatively easily eliminated, some are non-dischargeable in bankruptcy. Some of these exceptions apply regardless of what kind of bankruptcy you file, others are treated differently depending on whether you file Chapter 13 or Chapter 7. Child Support Non-Dischargeable in Bankruptcy One kind of debt that cannot be simply eliminated is a domestic support obligation, such as child or spousal support. While [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,37,36],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2668"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=2668"}],"version-history":[{"count":0,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/2668\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/2456"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=2668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=2668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=2668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}