Article 2.9.11 Exceptions to Discharge

(a) Non-Dischargeable Debts: A discharge under this Chapter 2.9 does not discharge an individual Debtor from the following debts:

(i) Any Debt obtained by an individual seven years after the closure of any prior bankruptcy case resulting in Liquidation, unless the Court determines that a Discharge is required in the interest of equity.

(ii) Debts obtained by false pretences, false representations, or actual fraud, excluding statements about the Debtor’s financial condition;

(iii) Debts from materially false written statements about the Debtor’s or an insider’s financial condition, made with intent to deceive and reasonably relied upon by the Creditor;

(iv) Debts for fraud, defalcation in a fiduciary capacity, embezzlement, larceny, or other crime;

(v) Domestic support obligations;

(vi) Debts for wilful and malicious injury to another person or their property;

(vii) Debts from prior bankruptcy cases where discharge was waived or denied for specified reasons;

(viii) Restitution orders under criminal law; and

(ix) Debts to a spouse, former spouse, or child from divorce or separation agreements.