Are all debts dischargeable?

Are all debts dischargeable? ­ The simple answer is no.  Student loans are no longer discharged unless there is proof of a serious hardship.  Family support obligations and DUI penalties are other examples of non-dischargeable debts.   Fraud is another additional consideration.  If a creditor can prove that you incurred a debt by submitting a fraudulent financial statement or if you incurred the debt knowing that you had no ability to repay, that debt may also be declared non-dischargeable.  It is an urban myth that you should 'charge up' your credit cards if you know you are going to file bankruptcy anyway.  The consequences are severe.  On the other hand, it is not unsual to be able to discharge many kinds of taxes, thus disproving the old adage, "The only two things certain in life are death and taxes."