Bankrupty or IVA , is it correct , that the only dedts that cannot be wrote off by Bankruptys is Tax dedts to the governments etc ?

Providing you include the inland revenue on the list of creditors then its all part of the bankruptcy. Dont know about iva.

Most tax debts can be written off. I'm not sure about council tax, but income tax etc certainly can.

Student loans can't be written off on bankruptcy.

Court fines is the obvious one. Full list here -

There is an excellent forum for debt issues here - - TMF dealing With Debt board.

Many of the people have been there, done that, & got the T-shirt, so the advice is from people who have a detailed knowledge of the subject.

Beware of debt management companies -

"Debt Management Companies

A lot of people see the adverts on TV promising to reduce your payments to an affordable amount each month by negotiating payment terms with your creditors. The bit they miss is that they charge a fee

- usually around 15%. This is 15% of your money that could be paying off your debts! Instead, try the following companies who offer the same service at no cost to you:

- Free debt management companies: and

- Free debt advice: "

Quote from -

More links on my webpage -

Daytona

I believe the following to be the case:-

Unless the court orders otherwise, the debtor no longer has to pay any outstanding bankruptcy debts except the following:- court fines maintenance payments and/or child support payments, except lump sum orders and costs arising from family proceedings student loans secured loans. However, if the home was sold but did not raise enough money to pay off the debt, the balance (shortfall debt) is no longer secured debts arising from personal injury claims, which may include damages for negligence or breach of contract. It is possible, however, to ask a court to order that such a debt is not payable debts incurred through fraud benefit overpayments arising from benefits awarded before the date of the bankruptcy order, but which were paid and deemed to be recoverable after the date of the bankruptcy order. These overpayments can be recovered through deductions from benefits.