As your case begins, a bankruptcy trustee is appointed and takes care of the day-to-day work. The trustee also helps when problems arise, such as a creditor continuing collection efforts during your case without court permission. Some debt, such as child support or student loans, must be paid even when your case is closed.

A freeze is put on collection efforts and other actions against you while your finances are sorted out, creditors are notified, claims for payment are made, and available assets are sold to pay back creditors. In return, debts are removed or discharged, ending your duty to pay and your creditors' ability to collect.

Reading the articles below will help you to get on your way to a fresh financial start.