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Waiver Prior Chapter 13 discharge Prior discharge within six years Commission of prohibited acts in connection with an insider's bankruptcy Refusal to obey a bankruptcy court order or to answer questions Failure to explain loss of assets Grounds for Denial of Discharge Commission of a bankruptcy crime on the part of the bankrupt, such as: Failure on the part of the bankrupt to keep books and records Fraudulent transfers or concealment of property The discharge is for individuals only Knowingly and fraudulently withholding records Knowingly or fraudulently getting or receiving a bribe Knowingly and fraudulently presenting or using a false claim Knowingly and fraudulently making a false oath or account