do you still have to pay debt after bankruptcies 
outside of keep and pay agreements some types of debt can t be discharged through bankruptcy nineteen kinds of debt are excepted from discharge under chapters 7 11 and 12 while a more limited list applies to chapter 13 cases 3the bottom linedeclaring bankruptcy doesn t have to mean selling all of your assets in some cases you may be able to use a keep and pay agreement to retain your home or car if you re facing bankruptcy and wish to retain certain assets be sure to check your state s rules regarding bankruptcy exemptions 