For which debts is a person who needs protection of the bankruptcy laws still held liable? Why were these provisions included in bankruptcy laws?

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For which debts is a person who needs protection of the bankruptcy laws still held liable? Why were these provisions included in bankruptcy laws?

For which debts is a person who needs protection of the bankruptcy laws still held liable? Why were these provisions included in bankruptcy laws? (You answer should be at least 5-7 sentences.) 

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