Not all debts can be erased

As the economy continues to struggle, one indicator keeps rising nearly every month: bankruptcy filings.

Job losses, medical payments and other financial pressures have pushed an increasing number of Americans to the courts in search of protection from creditors.

Yet bankruptcy isn't a magical solution for many debt-burdened people. It won't give everyone the clean financial slate they envisioned

In addition, not all types of debts can be discharged in bankruptcy proceedings, which pose an obstacle for the thousands of Arizonans who have or will start the process this year. Some obligations, like child support, are designed to protect vulnerable parties. Tempe attorney Joe Volin said, "The ones that come up a lot are student loans, taxes, child support and alimony, along with criminal fines and restitution. More people seem to realize you can't get out of those things."

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