The “willful and malicious injury” exception to discharge in section 523 (a)(6), as interpreted by the courts, is too difficult for creditors to meet.   Agree strongly (23) 20.54% Agree somewhat (20) 17.86% Disagree somewhat (20) 17.86% Disagree strongly (41) 36.61% Don’t know/no opinion (8) 7.14% Total of votes: 112