A Chapter 7 bankruptcy will not cover any debts not listed at the time of filing. It also does not eliminate the following:
- Recent taxes
- Child or spousal support
- Court fees, fines, penalties, or restitution
- Debts arising from an OWI conviction
- Debts caused by the debtor's fraud
Creditors can object to keep debts in force if they prove the debts meet certain categories.