All my debts will be discharged in bankruptcy.
False. There are some debts that cannot be discharged in bankruptcy. These debts are considered unsecured priorty debts. They are:
- student loans,
- taxes, custom duties, and penalties owed to a federal, state or local government agency,
- domestic support obligations such as child support and spousal support owed to a spouse, former spouse, debtor’s child, or the legal guardian of debtor’s child, or governmental unit to whom the support has been assigned,
- extensions of credit in an involuntary case,
- wages, salaries and commissions, including vacation, severance and sick leave pay owed to employees and commissions owed to qualifying independent sales representatives,
- contributions to employee benefit plans,
- claims of certain farmers and fishermen,
- deposits for the purchase, lease and rental of property or services for personal, family, or household use, and,
- claims for death or personal injury resulting from the operation of a motor vehicle or vessel while the debtor was intoxicated from the use of alcohol, a drug or another substance.