Consumer bankruptcy covers all debts incurred before the date of the bankruptcy declaration. The proceedings end with the discontinuance of the liabilities in their entirety or the creation of a repayment plan, which states how much and for how long the debtor will have to settle his/her liabilities. Under bankruptcy law, debts cannot be written off:

• debts of a maintenance nature
• liabilities arising from pensions due to compensation for illness, incapacity, disability or death
• obligations to pay court-ordered fines
• debts arising from the performance of a court-ordered obligation to pay compensation for damage or harm suffered
• an obligation to pay restitution or a pecuniary benefit ordered by a court as a criminal measure or a measure related to the placing of the offender on probation
• an obligation to make good the damage arising from an offence established by a final decision
• obligations which the bankrupt intentionally failed to disclose if the creditor did not participate in the proceedings.