Probably not, but there I times that I seriously question that. Especially the folks who have filed two and three times. The get their debt discharged, then go out an buy another boat, an RV, a diesel pickup to tow the RV, a Jeep for offroading, and when they can't pay for it, they file bankruptcy again. That was my former next door neighbor. But the third time, he was furious he couldn't pick and choose what debt he could discharge. He wanted to get the mortgage discharged and keep the boat, RV, diesel pickup and Jeep. Then he was told he couldn't pick and choose and then the Bankruptcy Judge looked at his wife's income and said, "looking at your wife's income, you CAN afford to make those payments" They finally did a short sale on their house and kept the toys and started renting.