Q: Will I still owe my students loans after bankruptcy? A: The short answer is: Yes. Under the bankruptcy laws, student loans are non-dischargeable. There are rare hardships that will allow a discharge of bankruptcy like permanent and total disability. Otherwise, you will continue to owe student loans after bankruptcy. Q: The people I owe money to want to get paid even though I am filing for bankruptcy. Can they make me pay them? A: It is understandable that people to whom you owe money want to get paid. Generally, once your debt is discharged by the court, you do not have to pay it. It is actually illegal to try to collect a debt during the bankruptcy proceeding without the permission of the Court. If you committed fraud in obtaining a loan or credit, the creditor can ask the Court to make the debt non-dischargeable. The creditor has to prove that you intended not to repay the money when you borrowed it. The information provided in Law Talk is meant to be for informational purposes only and is not meant to be legal advice because each situation must be discussed and analyzed by an attorney after reviewing all of the facts. Because the information provided is general and the law often contains exceptions and differences for unique situations, readers should always discuss their situation in detail with a local licensed attorney. For more information about personal injury and other practice areas, visit The Law Office of Mark Schneider on the Internet at www.northcountrylaw.com or call 566-6666. If you have a question, e-mail it to email@example.com, mail it to The Law Office of Mark Schneider, 57 Court St., Plattsburgh, N.Y. 12901, or fax it to 566-6667. When submitting a question, include your name and phone number, which will be used for contact purposes only, and not for publication. Due to the potential high volume of questions received, not all questions will necessarily be printed in this column. If you have a legal problem, consult a local attorney immediately in order to understand and preserve your rights.