What debts are discharged in Chapter 7:

Dischargeable

• - Personal loans
• - Credit cards
• - Repossession deficiencies
• - Auto accident claims
• - Medical bills
• - Judgments
• - Business debts
• - Leases
• - Guaranties
• - Negligence claims
• - Tax penalties over 3 years old
• - Income taxes that aren't priority taxes

Possibly dischargeable

• 
  - Willful and malicious injuries to others
• - Embezzlement
• - Debts incurred by fraud or dishonesty
• - Debts arising from breach of fiduciary duty

These are only not discharged if a creditor promptly takes action to contest the discharge of his claim.Details on evaluating credit card dischargeability

Not dischargeable

• 
  - Recent taxes
• - Trust fund taxes
• - Child or family support
• - Criminal fine or restitution
• - Accident claims involving intoxication
• - Debts not scheduled
• - Penalties payable to the government other than tax penalties
• - Student loans
• Debts listed in prior bankruptcy where debtor was denied a discharge
• - Taxes for years where return unfiled or filed for less than 2 years