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More bankruptcy and debt situations

• What does the automatic stay actually stop? Filing can pause many collection actions, but the stay has exceptions and can be limited or lifted.
• 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.
• Will bankruptcy let me keep my home? Home protection depends on exemptions, equity, liens, arrears, chapter, and feasible payments.
• Divorce and bankruptcy may happen at the same time Coordinate both cases before dividing assets, assigning debts, or filing.
• A creditor is collecting after my discharge Determine whether the debt was discharged and whether the contact concerns personal liability or a surviving lien.
• Will bankruptcy let me keep my car? It depends on equity, exemptions, loan status, the chapter, and how the secured debt is handled.
• My bank account was frozen Act quickly to identify the order and whether protected funds or exemptions are involved.
• Should I consider Chapter 7 or Chapter 13? Chapter choice depends on income, assets, debts, goals, and eligibility, not just which seems faster.

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