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Not dischargeable in Chapter 7 are recent taxes; family support; student loans ; drunk driving judgments; criminal fines or restitution; or debts incurred by fraud or intentional wrongdoing.
The complete list of non-dischargeable debts is found at 11 U.S.C. 523(a) and is set out in table form here at Discharge of debt in Chapter 7
Everything else is dischargeable: loans, credit card debts, judgments, medical bills, old income taxes. More on treatment of different kinds of debt in bankruptcy.
Remember, liens and mortgages survive the bankruptcy: the debtor personally has no further liability for the debt, but the lien (a charge on the asset that is the collateral) survives as an interest in the asset. In appropriate circumstances, liens can be avoided because they impair an exemption or because the lien doesn't really attach to any value in the collateral
Avoiding liens in bankruptcy
One of the most powerful tools for achieving a truly fresh start in bankruptcy is the debtor's power to avoid certain liens on his assets.
The power to avoid liens modifies the general bankruptcy rule that liens pass through bankruptcy unaffected by the discharge: that is, unless liens are avoided, the discharge only discharges the personal liability of the debtor, not the liability of property that is subject to a pre petition lien.
So, what liens can be avoided and under what conditions?
http://www.moranlaw.net/lien.htm
