NJ Bankruptcy Law Firms

66 East Main Street, 3rd Floor
Little Falls, NJ 07424
NJ Bankruptcy Law Office Logo (Transparent) dictating Ralph A. Ferro Jr., Esq's Law Practice

Bankruptcy Non-Dischargeable Debt

New Jersey Bankruptcy Lawyer!

With 30+ Years of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"
"Experience = Results"
About Ralph A. Ferro Bankruptcy Lawyer

Bankruptcy Non-Dischargeable Debt

Debt Non-dischargeable when filing bankruptcy

Written and Verified by Ralph A. Ferro, Jr., Esq.

Some debts are non-dischargeable in bankruptcy

You may find this article interesting about this debtor’s false statements that lead to a Bankruptcy non-dischargeable debt to a Creditor.

Making false statements and/or causing deliberate damages to a Creditor can result in a non-dischargeable debt in filing Bankruptcy.   Before you file bankruptcy, set up a free bankruptcy consultation with me.    I will review your case and give you expert bankruptcy advice.

Here is an example of a non-dischargeable debt.    In this case, the Debtor’s landlord sued the debtor.   The acts and conduct by the Debtor made these bankruptcy debts non-dischargeable as ruled by the Bankruptcy Court.

What happened? 

  • The debtor rented a property from the Landlord.
  • The lease included one dog which was listed as a small Chihuahua
  • In fact, upon leaving, it was found that the Debtor had a large dog.
  • This dog caused significant damage to the landlord’s property.
  • The landlord sued the Debtor for damages.
  • The debtor (renter) posted statements on Craig’s List that the landlord was a slumlord, thief, etc., and other derogatory statements.
  • The Bankruptcy Court found that the Debtor had made up all the false statements against the landlord
  • It was proven that the statements were not true
  • These statements were intended to cause financial harm to the landlord.
  • The Bankruptcy Court ruled that the loss of rental income due to the false statements as well as the damage by the large dog (who was supposed to be a Chihuahua) were both non-dischargeable debts.
  • In addition, the Court awarded the landlord attorney fees and these were also non-dischargeable.

I remind my clients that your acts can cause non-dischargeable debts in bankruptcy.     The Court does not allow you to try to discharge debts when you make false statements and commit damaging acts.

Before you file bankruptcy, set up a free consultation with me.   I will advise you if bankruptcy is an option for you.   Your rights are protected as a debtor but also creditor’s rights are protected.

Filing of bankruptcy is not intended for the debtors:    to dispose of or get away with causing intentional harm to creditors.

You cannot commit damaging acts and come to the Bankruptcy Court to avoid these debts.

Bankruptcy Protection for: Debtors


Bankruptcy Services for: Creditors