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.
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