As a general rule, debts obtained by fraud are not dischargeable in bankruptcy.  The rule is not self executing, thus the creditor must challenge.  It would require a hearing.  Examples of debt obtained by fraud, in general,  would be in a situation where someone lent you money on a false promise or if the debt is otherwise obtained though a falsity or through a false written statement.  Also, consumer debts owed to a single individual of more than $675.00 for luxury goods or services incurred within 90 days before filing a bankruptcy are presumed to be non dischargeable.  If you are interested in filing for a bankruptcy discharge of all your debt, please feel free to contact Attorney Mark O. Grater in Groton, CT at 860-449-8059 or go to his web cite at www.graterlaw.com.