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Writing off student loans is not easy. You must convincingly show that paying the loan causes you undue hardship, a tough condition to prove.

Child support and spousal support debts cannot get written off in bankruptcy. But is your specific divorce debt legally considered support?

Bankruptcy permanently writes off income taxes, as long as the tax meets certain conditions. For some taxes the conditions are easy to meet.

Bankruptcy does not write off criminal fines or restitution. But it can help by writing off other debts so you can pay crucial expenses.

Most debts get written off—discharged—in bankruptcy. The only ones that aren’t are specifically listed in the Bankruptcy Code.

Bankruptcy is about writing off or “discharging” debts. The timing of discharge is quite different in Chapter 7 and 13; both are permanent.

Bankruptcy is about debts. Different categories of debts are treated differently. The categories are secured, priority and general unsecured.

Do you owe income taxes for the 2018 tax year AND already owe for one or more tax years? Chapter 13 may be an especially good tool for you.

Do you expect to owe income taxes for the 2018 tax year? Starting January 1, 2019 you can wrap that tax into a new Chapter 13 payment plan.

Chapter 13 is a riskier, longer, and maybe more expensive way to escape a dischargeable income tax debt—but may still be your best option.