About This Site
Not all debts can be eliminated in bankruptcy. Section 523 of the Bankruptcy Code lists 19 categories of debts that are excepted from discharge, including certain taxes, student loans, domestic support obligations, debts obtained by fraud, and debts arising from willful and malicious injury. Understanding which debts survive is critical to evaluating whether bankruptcy will solve your financial problems.
This site will provide a detailed breakdown of every subsection of Section 523, explaining in plain English what each exception covers, what a creditor must prove to invoke it, and how courts have interpreted these provisions. We will cover the distinction between debts that are automatically nondischargeable and those that require a creditor to file an adversary proceeding.
We will also address the procedural requirements -- including the bar date for filing nondischargeability complaints, the burden of proof standards, and how the Section 523 exceptions interact with the Chapter 7 and Chapter 13 discharge provisions.
Part of the Bankruptcy Transparency Network -- a growing collection of free, open-source bankruptcy information sites built on public court data. No advertising, no lead generation, no attorney referral fees. Real information, no strings.
Check Your Bankruptcy Discharge Eligibility
Use the free screener at 1328f.com to check whether federal timing bars affect your ability to receive a bankruptcy discharge.
Explore Nondischargeable Debts
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