Will bankruptcy let me keep my home?

More bankruptcy and debt situations

• A creditor is collecting after my discharge Determine whether the debt was discharged and whether the contact concerns personal liability or a surviving lien.
• Can student loans be discharged? Some student debt requires a separate dischargeability proceeding and a legal showing; it is not automatically erased or universally impossible to discharge.
• I received a debt-collection lawsuit Respond through the court process by the applicable deadline, even if you already disputed the debt with the collector.
• Will my spouse or cosigner be protected? One person’s filing or discharge does not automatically eliminate another person’s liability.
• I filed before; can I file again? Filing eligibility, discharge eligibility, and automatic-stay protection are separate questions.
• My wages are being garnished Identify the creditor, order, and type of debt; exemptions and limits differ.
• Someone offers to erase debt or repair credit for a fee Verify the provider and understand costs and risks before paying or stopping creditor payments.
• What does the automatic stay actually stop? Filing can pause many collection actions, but the stay has exceptions and can be limited or lifted.

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