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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

What Kinds Of Debt Cannot Be Discharged?

Many people assume that bankruptcy discharges all debt. While bankruptcy can discharge most kinds of debt, some debt cannot be removed.

Tax Debt

The majority of tax debt is non-dischargeable. The only exception is if your debt meets the following conditions:

  • The taxes must have been due at least three years ago.
  • The tax return must have been filed at least two years ago.
  • No tax assessment has occurred in the last 240 days.

Your tax debt is dischargeable only if it meets all three of these criteria. If you have dischargeable tax debt and are currently making payments on it, it is important that you continue these payments until you file bankruptcy. Otherwise, the government can place a lien against you.

Student Loans

Bankruptcy cannot discharge student loans. Congress has made this determination based on public policy considerations. A creditor cannot take a college degree as they can a home or car. If student loans were dischargeable, what would stop students from paying for their college education via loans and then simply file bankruptcy after earning their diploma? Few lenders would offer student loans were this the case.

Child Support and Alimony

Child support and alimony are non-dischargeable in the vast majority of cases. There are only two exceptions to this general rule:

  • If the court has mistakenly specified an obligation as “alimony,” which is not actually alimony. For example, if the court orders a former spouse to pay off marital debt as alimony, this can be discharged because it is not actually alimony.
  • Alimony debt can also be discharged if it has been assigned to a third party.

Fines for Breaking the Law

If you break it, you buy it. This is quip is true of the law in the context of bankruptcy. Bankruptcy cannot discharge parking tickets, fines, DUI penalties, and other financial penalties incurred from breaking the law.

For more answers to your tax debt questions, call our Fairfield bankruptcy office today!

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