(1) the debtor is not an individual;
(2) the debtor, with intent to hinder, delay, or
defraud a creditor or an officer of the estate charged with custody of
property under this title, has transferred, removed, destroyed, mutilated,
or concealed, or has permitted to be transferred, removed, destroyed,
mutilated, or concealed--
(A) property of the debtor, within one year before the date of the
filing of the petition; or
(B) property of the estate, after the date of the filing of the
petition;
(3) the debtor has concealed, destroyed,
mutilated, falsified, or failed to keep or preserve any recorded
information, including books, documents, records, and papers, from which the
debtor’s financial condition or business transactions might be
ascertained, unless such act or failure to act was justified under all of
the circumstances of the case;
(4) the debtor knowingly and fraudulently, in or
in connection with the case--
(A) made a false oath or account;
(B) presented or used a false claim;
(C) gave, offered, received, or attempted to obtain money, property, or
advantage, or a promise of money, property, or advantage, for acting or
forbearing to act; or
(D) withheld from an officer of the estate entitled to possession under
this title, any recorded information, including books, documents, records,
and papers, relating to the debtor’s property or financial affairs;
(5) the debtor has failed to explain
satisfactorily, before determination of denial of discharge under this
paragraph, any loss of assets or deficiency of assets to meet the debtor’s
liabilities;
(6) the debtor has refused, in the case--
(A) to obey any lawful order of the court, other than an order to
respond to a material question or to testify;
(B) on the ground of privilege against self-incrimination, to respond
to a material question approved by the court or to testify, after the
debtor has been granted immunity with respect to the matter concerning
which such privilege was invoked; or
(C) on a ground other than the properly invoked privilege against
self-incrimination, to respond to a material question approved by the
court or to testify;
(7) the debtor has committed any act specified in
paragraph (2), (3), (4), (5), or (6) of this subsection, on or within one
year before the date of the filing of the petition, or during the case, in
connection with another case, under this title or under the Bankruptcy Act,
concerning an insider;
(8) the debtor has been granted a discharge under
this section, under section
1141 of this title, or under section 14, 371, or 476 of the Bankruptcy
Act, in a case commenced within 8
years before the date of the filing of the petition;
(9) the debtor has been granted a discharge under
section
1228 or 1328
of this title, or under section 660 or 661 of the Bankruptcy Act, in a case
commenced within six years before the date of the filing of the petition,
unless payments under the plan in such case totaled at least--
(A) 100 percent of the allowed unsecured claims in such case; or
(B)
(i) 70 percent of such claims; and
(ii) the plan was proposed by the debtor in good faith, and was the
debtor's best effort;
(10) the court approves a written waiver of
discharge executed by the debtor after the order for relief under this
chapter;
(11) after filing the petition,
the debtor failed to complete an instructional course concerning personal
financial management described in section
111, except that this paragraph shall not apply with respect to a debtor
who is a person described in section
109(h)(4) or who resides in a district for which the United States
trustee (or the bankruptcy administrator, if any) determines that the
approved instructional courses are not adequate to service the additional
individuals who would otherwise be required to complete such instructional
courses under this section (The United States trustee (or the bankruptcy
administrator, if any) who makes a determination described in this paragraph
shall review such determination not later than 1 year after the date of such
determination, and not less frequently than annually thereafter.); or
(12) the court after notice and
a hearing held not more than 10 days before the date of the entry of the
order granting the discharge finds that there is reasonable cause to believe
that--
(A) section
522(q)(1) may be applicable to the debtor; and
(B) there is pending any proceeding in which the debtor
may be found guilty of a felony of the kind described in section
522(q)(1)(A) or liable for a debt of the kind described in section
522(q)(1)(B).
(1) such discharge was obtained through the fraud
of the debtor, and the requesting party did not know of such fraud until
after the granting of such discharge;
(2) the debtor acquired property that is property
of the estate, or became entitled to acquire property that would be property
of the estate, and knowingly and fraudulently failed to report the
acquisition of or entitlement to such property, or to deliver or surrender
such property to the trustee;
(3) the debtor committed an act specified in
subsection (a)(6) of this section;
or
(4) the debtor has failed to
explain satisfactorily--
(A) a material misstatement in an audit referred to in section
586(f) of title 28; or
(B) a failure to make available for inspection all
necessary accounts, papers, documents, financial records, files, and all
other papers, things, or property belonging to the debtor that are
requested for an audit referred to in section
586(f) of title 28.
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