What does the automatic stay actually stop?

More bankruptcy and debt situations

• Which counseling and education courses are required? Prefiling credit counseling and postfiling debtor education are separate requirements, with limited exceptions.
• A foreclosure sale or repossession is imminent Obtain urgent legal review using the actual event date and case documents.
• I filed before; can I file again? Filing eligibility, discharge eligibility, and automatic-stay protection are separate questions.
• 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.
• My bank account was frozen Act quickly to identify the order and whether protected funds or exemptions are involved.
• I am considering withdrawing retirement savings to pay debt Get advice before using potentially protected retirement funds for unsecured debt.
• I moved between NJ, NY and DC Recent moves can affect both where you file and which exemptions apply, using different legal tests.
• Will bankruptcy let me keep my car? It depends on equity, exemptions, loan status, the chapter, and how the secured debt is handled.

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