You are rightfully concerned with this situation. The Bankruptcy court, and the plaintiff in any adversary complaint to determine dischargeability, would look beyond the mere wording of the final judgment and will look at the basis for the award. They will look at the original complaint brought against you that the award relates to. If the complaint was for damages for malicious or intentional injury to person or property, then it would be easy to connect the dots and show that the resulting award was for those claimed injuries. In that situation the award would not be dischargeable.Ask a similar question
If the arbitration award did not mention the bases for the damages, then it will not be "res judicata" meaning the issue will be re-litigated in BK court IF the plaintiff files it's AP in time.Ask a similar question
I would not give a free consult on something like this, but maybe you can find someone that will.
In either case, get all your paperwork to your bankruptcy counsel (counsel is mandatory), to take a look at the documents.
For example, we don't even know the underlying causes of action that the judgment is based on and that can play a big role in how things play out.
The above is general legal and business analysis. It is not "legal advise" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here. Please visit my web site: www.avanesianlaw.com for more information about my services.Ask a similar question