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Dischargeable Debts in Chapter 7 BK

dischargeable Debts in Chapter 7 BK
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Dischargeable Debts in Chapter 7 BK

Are all debts dischargeable in Bankruptcy?    The answer is NO – not all.

Dischargeable Debts in Chapter 7 Bankruptcy are, including but not limited to, the following:

However, there are debts that are not dischargeable in Chapter 7 Bankruptcy.

Here is an example of a willful and malicious act that was not dischargeable.

  • A neighbor got into a fight with his neighbor in the hallway of their apartment building.
  • The man pinned the neighbor against the wall and bit into his nose.
  • In a Court proceeding, the man who was bitten won a $110,695 default judgment.
  • Shortly thereafter, the “nose biter” filed a Chapter 7 bankruptcy and wanted to discharge this debt.
  • The Bankruptcy Court thought it was a ridiculous defense that the Debtor acted in self-defense.
  • The  Court concluded that his “biting” actions were willful.
  • It is undisputed that when someone pins a victim up against a wall and uses his teeth to forcefully bit down on the victim’s flesh, it is willful.

In addition, the Debtor had plead guilty to the crime.

A cat/dog bite debt may be dischargeable debts in Bankruptcy but not a human bite.

If your debts are overwhelming, schedule a free consult with me to see if filing bankruptcy is an option for you.

I will review your debts and review dischargeable debts in Chapter  7 as well as other Chapters of Bankruptcy.

Contact Me Today:   Ralph A. Ferro, Jr., Esq.   (201) 446-5904