Can an old, undisclosed debt be written off after the Bankruptcy has ended?

SallyPop

We put my other half through bankruptcy several years ago to clear off a hefty debt.  He has since remembered that he has a debt in his name which his ex-wife is still paying off.  Is he able to get this one written off by siting his previous bankruptcy status?  This debt was around before he applied for bankruptcy.

MEM62

No.  If it was a joint debt with his ex, she is now liable for the whole amount.  

luvchocolate

Was the debit solely in his name or a joint debt?

SallyPop

I'm not sure if it was a joint debt.  I know his ex is paying it but the letters come in his name.  I will ask.  Should it be solely his debt, could it be written off at this late stage?

sourcrates

SallyPop said:

I'm not sure if it was a joint debt.  I know his ex is paying it but the letters come in his name.  I will ask.  Should it be solely his debt, could it be written off at this late stage?

If, its in his name only, and it pre-dates his bankruptcy, and its a qualifying debt, then yes, bankruptcy is an all encompassing solution, it includes all your debts (known or otherwise) but with certain exceptions, such as fines/income tax debts etc.

carrot42

sourcrates said:

SallyPop said:

I'm not sure if it was a joint debt.  I know his ex is paying it but the letters come in his name.  I will ask.  Should it be solely his debt, could it be written off at this late stage?

If, its in his name only, and it pre-dates his bankruptcy, and its a qualifying debt, then yes, bankruptcy is an all encompassing solution, it includes all your debts (known or otherwise) but with certain exceptions, such as fines/income tax debts etc.

Taxes not covered by bankruptcy?

sourcrates

carrot42 said:

sourcrates said:

SallyPop said:

I'm not sure if it was a joint debt.  I know his ex is paying it but the letters come in his name.  I will ask.  Should it be solely his debt, could it be written off at this late stage?

If, its in his name only, and it pre-dates his bankruptcy, and its a qualifying debt, then yes, bankruptcy is an all encompassing solution, it includes all your debts (known or otherwise) but with certain exceptions, such as fines/income tax debts etc.

Taxes not covered by bankruptcy?

Debts Excluded from Bankruptcy

• Child Maintenance Arrears (if set by CSA or Child Maintenance Service)
• Criminal Fines
• Debts you obtain after the date of your bankruptcy order
• Debts are taken out fraudulently (e-g benefits fraud)
• Mortgages (if you want to keep the house)
• Social Fund Loans
• Student Loans
• TV Licence Arrears
• Court Orders telling you to pay compensation for someone’s injury
• Payments ordered by the court as part of family proceedings (e-g in divorce cases) 
• 
  
• Not Tax, apparently.

carrot42

sourcrates said:

carrot42 said:

sourcrates said:

SallyPop said:

I'm not sure if it was a joint debt.  I know his ex is paying it but the letters come in his name.  I will ask.  Should it be solely his debt, could it be written off at this late stage?

If, its in his name only, and it pre-dates his bankruptcy, and its a qualifying debt, then yes, bankruptcy is an all encompassing solution, it includes all your debts (known or otherwise) but with certain exceptions, such as fines/income tax debts etc.

Taxes not covered by bankruptcy?

Debts Excluded from Bankruptcy

• Child Maintenance Arrears (if set by CSA or Child Maintenance Service)
• Criminal Fines
• Debts you obtain after the date of your bankruptcy order
• Debts are taken out fraudulently (e-g benefits fraud)
• Mortgages (if you want to keep the house)
• Social Fund Loans
• Student Loans
• TV Licence Arrears
• Court Orders telling you to pay compensation for someone’s injury
• Payments ordered by the court as part of family proceedings (e-g in divorce cases) 
• 
  
• Not Tax, apparently.

Yes, this is what I meant, that bankruptcy should include income tax debts, your list confirms that income tax debt is "included" or covered by bankruptcy