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Can I Use Chapter 7 Bankruptcy to Get Rid of All My Debts?

In a word, “no.” There are some debts that are not dischargeable through bankruptcy. Two of them are student loans and federal income taxes. There are some that are not dischargeable based on the reason why you have the debt. For example, if you incurred the debt through fraud, that would not be dischargeable. If you incurred the debt through a divorce, where you took on a debt from the former spouse during the divorce process, that might not be dischargeable.

In the latter two examples, the person against whom you have this debt would have to file something to the court to object to you discharging this debt. Whereas in the former two examples, neither of those entities need to file anything to protect themselves from having you discharge the debt owed to them.