What Debts are Dischargeable in Chapter 7 Bankruptcy?

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

Dischargeable Debts in Chapter 7 Bankruptcy

(to name a few):

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.