Identifying Nondischargeable Debts In Your Louisiana Bankruptcy Case

Filing for bankruptcy requires careful consideration and professional guidance, whether it’s Chapter 7 (often called “liquidation bankruptcy”) or Chapter 13 (known as the “wage earner’s plan”). It can help relieve financial pressure by eliminating or restructuring certain debts, which can be especially helpful when your situation becomes unmanageable. However, not all debts are dischargeable under bankruptcy law.

At our family firm, The Cook Law Firm, APLC, we believe in being transparent about the realities of bankruptcy. We understand that facing nondischargeable debts can be discouraging. But our bankruptcy lawyers, with over 125 years of combined experience, are here to guide you through the process of understanding which debts can be discharged and how to manage those that cannot.

Various Nondischargeable Debts

Both bankruptcy types, Chapter 7 and Chapter 13, prohibit the discharge of certain debts. Please note that the following list is not comprehensive:

• Family payments such as child support, alimony and other debts of this nature
• Debts for personal injury or death caused by driving while intoxicated or under the influence of drugs
• Student loans, although these may be dismissed if you can prove it would be an undue hardship for you to repay
• Any fines or penalties for violating the law, including traffic tickets and criminal restitution
• Any debts you could not discharge in a previous bankruptcy filing that was dismissed due to fraud

The law keeps these debts in place to protect certain people and uphold important responsibilities. But don’t worry – even if you have some of these debts, bankruptcy can still help with other financial pressures.

Moving Forward: Managing Your Debts After Bankruptcy

Our goal is to help you focus on what you can control. While some obligations may persist, many debts – such as credit card balances, medical bills and personal loans – can often be discharged. This process aims to give you a fresh start and get you back on your feet.

Let us help you address your bankruptcy concerns and create a clear path forward. To schedule a free consultation, call our Haughton office at 318-703-5851 or send us an email to get started. Our experienced team of bankruptcy attorneys serves clients from Haughton to Shreveport, Louisiana.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.