The exception is not the rule! This is the exception.
In simple terms, here's what you need to know.
1. Government Debts: Only certain debts owed to the government, such as, fines, and government-backed student loans, are not dischargeable. Most government debt, including income tax debt, is usually discharged.
2. Alimony and Child Support: If you owe spousal support or child support, those debts are not discharged either. You'll still be responsible for making the regular payments and for all arrears.
3. Debts from Fraud: Any debts resulting from fraudulent or illegal activities, like embezzlement or false pretenses, are not dischargeable.
4. Debts from Bodily harm: If you've injured someone intentionally (including wrongful death and sexual assault), the debts arising from the injury may not be dischargeable.
It's important to understand that these non-dischargeable debts will still be your responsibility after bankruptcy, and you'll need to make arrangements to pay them. Consulting with a professional, such as a licensed insolvency trustee, can provide you with more detailed guidance tailored to your specific situation.
Keep in mind that if your "normal" debts have been discharged through a proposal or bankruptcy, that will probably make it easier for you to tackle your non-dischargeable debts.