If you want a credit card after bankruptcy, you can often keep a card you already have, with the creditor's approval, and we can help you with that. Also, you can get a secured credit card which is backed by your own savings and is a good start to re-establishing credit. You must make a list of ALL debts, but this does not include regular monthly bills such as the cable company, Ameritech, etc. unless you need to eliminate these types of debts. However, you simply tell us which debts you wish to keep after the bankruptcy, and put a star next to those on your list. You will keep making those payments as scheduled throughout the bankruptcy if you want to keep them so long as the creditor agrees.
Most people keep all of their assets in a bankruptcy.
The exemptions vary from state to state so you must consult an attorney in your jurisdiction who will analyze your case and can determine what, if anything, is unprotected. When you file bankruptcy, the Automatic Stay immediately goes into effect which prevents creditors from taking or continuing collection action against you. This means garnishments and foreclosures must stop. A garnishment for child support or alimony, however, usually continues throughout and after the bankruptcy. Once a debt is discharged, the creditor can never again garnish you, even after your bankruptcy is over.