All debts are not wiped out after bankruptcy.


Bankruptcy(1) Payment of a debt after bankruptcy
A debtor who has been granted a discharge of debt may voluntarily repay any discharged debt. A debtor may choose to repay a discharged debt even though it can no longer be enforced. More often, a debtor pays a debt because it is owed to a family member or because it represents an obligation or debt of gratitude for which the debtorfs reputation is important.
Things to remember about bankruptcy
All debts are not wiped out after bankruptcy. Certain debts cannot be erased, which includes child support, alimony, student loans, and debts incurred as a result of fraud. If an individual has defrauded another and a judgment has been made against that individual, that won't be cleared either.
The bankrupt individual will not lose everything that he or she has. This is a misconception that keeps people who really should file for bankruptcy from doing it.
You cannot file bankruptcy just to get rid of back taxes. Generally speaking this is true, but what one can do is file for tax bankruptcy. To be able to attain that, the bankrupt individual will have to file all returns and the taxes owed need to be at least three years old.
You cannot max your credit card, file for bankruptcy, and never pay for the things you bought. Thatfs called fraud, and bankruptcy judges will know whether an individual has committed such act or not.