How 11 U.S.C. § 523 applies in New York — federal bankruptcy law, New York district data.
Not all debts are dischargeable. Student loans (with narrow exceptions), most taxes less than 3 years old, domestic support, and debts obtained by fraud survive bankruptcy discharge. Some debts are automatically nondischargeable; others require a creditor to file an adversary proceeding within 60 days of the 341 meeting.
Districts covered: N.D.N.Y., E.D.N.Y., S.D.N.Y., W.D.N.Y..
The rules above are federal — they apply identically in every state. What varies by state is exemptions (§522), median income thresholds (means test), and case-law interpretations of ambiguous terms. For a New York-specific answer, check the screener or consult a local attorney.
Check §523 Nondischargeable Debts against your case →