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:
- Credit Card Debt
- Medical Debt
- Personal Loans
- Overdraft Fees
- Vehicle Repossession Deficits
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 what debts are dischargeable in Chapter 7 bankruptcy as well as other Chapters of Bankruptcy.
Contact Me Today: Ralph A. Ferro, Jr., Esq. (201) 446-5904