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파산해도 지불 해야되는 빚, bankruptcy CA 주
면제되지 않는
California Non-Dischargeable Debts

http://blog.naver.com/weokok/30156284203
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The following debts cannot be discharged in either Chapter 7 or Chapter 13 California bankruptcies. If you file for Chapter 7, you will still be responsible for repaying these debts after your discharge. If you file for Chapter 13, these debts will have to be paid in full in your plan. If they are not, the balance will remain at the end of your case. Remember that you will also have to continue to pay secured debts (such as a house or car payment) if you to intend to keep the secured property.
[see statute 11 523(a)]
http://www.law.cornell.edu/uscode/text/11/523

1. 양육비, 이혼생활비, 가족부양을 위한 빚,
Back child support, alimony obligations and other debts dedicated to family support.

2. (술, 마약) 취한 운전에의한 사망, 피해에 의한 빚
Debts for personal injury or death caused by driving while intoxicated.

3. 학자금, 단, 당신이 갚아야 할 과도한 어려움이 없는한
Student loans, unless it would be an undue hardship for you to repay.

4. 벌금 과 과태료, 법을 위반 한[교통 위반, 범죄의 (물품, 배상) 반환]
Fines and penalties for violating the law, including traffic tickets and criminal restitution.

5. 최근 3년 이내의 세금보고 채무, 모든 세금 빚
Recent income tax debts (within 3 years) and all other tax debts.

6. 당신이 파산신청 목록에서 빠트린 빚
Debts you forget to list in your bankruptcy papers, unless the creditor learns of your bankruptcy case.
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아래 빚들은 췝터7 파산판사에 의해 갚아야 할 것으로 선언되는데, 만일 채무자들이 당신의 탕감 요구에 의의를 제기 한다면,
The following debts may be declared non-dischargeable by a bankruptcy judge in Chapter 7 if the creditor challenges your request to discharge them.

11. 사기를 바탕으로 초래한 빚
Debts you incurred on the basis of fraud.

12. $1,150 달라 이상의 사치품 과 파산 신청 전 60일 이내에 진 빚
Credit purchases of $1,150 or more for luxury goods or services made within 60 days of filing.

13. 파산 신청 60일 이전의 융자 와 $1,150 달라 또는 그 이상 가져간것,
Loans or cash advances of $1,150 or more taken within 60 days of filing.

14. 고의로나 악의로 사람이나 재산에 피해를 입힌 빚
Debts from willful or malicious injury to another person or another person's property.

15. 횡령, 절도(도둑질), 신탁 의무 위반[배임(背任)]에 의한 빚
Debts from embezzlement, larceny or breach of trust.

16. 이혼판정 또는 합의에 의해 진 빚,
단, 파산 이후, 지불 능력이 없거나 또는 지불에서 벗어남으로 받은 혜택이 전 배우자에게 손해를 끼친것보다 더 크지 않는 한,
즉 지불을 안함으로 얻은 이익이 상대방보다 적은 경우는 된다는 뜻??
[ 해석 보다는 법적인 진행 절차를 모르겠슴 ]
Debts you owe under a divorce decree or settlement unless after bankruptcy you would still not be able to afford to pay them or the benefit you'd receive by the discharge outweighs[보다 더 크다] any detriment[손해를 초래한것] to your ex-spouse (who would have to pay them if you discharge them in bankruptcy)