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But, there are limitations on the availability of debt discharge. Generally in a Chapter 7 bankruptcy you can’t discharge your debts if you have already had a Chapter 7 discharge within the last 8 years. You also can’t get a discharge if you’ve had a Chapter 12 or Chapter 13 discharge within the last 6 years.

There are other limitations to debt discharge, too. Generally speaking, tax debt, debt that results from a debtor’s fraud, student loans (about 91% of student loans out there), and domestic support obligations can’t be discharged—they are “nondischargeable.” 

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