It clearly seems to be the case that a high number of so-called millennials in California and across the country could benefit from a bit of education regarding their credit cards.
"Watch out, our eyes are on you."
The trade off for the "fresh start" you get by filing bankruptcy is that you have to let your creditors know you're seeking bankruptcy relief and may be wiping out your obligation to pay them. Consequently, bankruptcy cases are public record and creditors who have information about debtors are able to present that information to the Bankruptcy Court. This forces debtors to be honest about their circumstances.
The quick and definitive answer to the above-posed headline query is that not all debt qualifies for automatic erasure in a Chapter 7 bankruptcy filing.