What debts are discharged in 

Chapter 7

dischargeable

possibly dischargeable

not dischargeable

• Personal loans
  
• Credit cards
  
• Repossession deficiencies
  
• Auto accident claims
• Medical bills
• Judgments
  
• Business debts
  
• Leases
  
• Guaranties
  
• Negligence claims 
  
• Tax penalties over 3 years old
  
• Income taxes that aren't priority taxes

• Willful and malicious injuries to others
  
• Embezzlement
  
• Debts incurred by fraud or dishonesty
  
• Debts arising from breach of fiduciary duty

• Recent taxes
  
• Trust fund taxes
  
• Child or family support
  
• Criminal fine or restitution
  
• Accident claims involving intoxication
  
• Debts not scheduled
  
• Penalties payable to the government other than tax penalties
  
• Student loans
  
• Debts listed in prior bankruptcy where debtor was denied a discharge
• Taxes for years where return unfiled or filed for less than 2 years