1. How long does it take before my debts are discharged? 2. Can I pick and choose which assets to put into a personal bankruptcy? 3. What does reaffirm mean? 4. What exactly can I exempt? 5. Do I have to appear before a bankruptcy judge? 6. What is a 341 meeting? 7. I thought bankruptcy stopped foreclosure? Can they still take my house? 8. Can I keep my house, cars or pets? 9. Do my spouse and I have to file jointly? 10. If only my spouse files, what am I liable for and what happens to my credit? 11. Can I be discriminated against for filing bankruptcy? 12. Can filing bankruptcy stop bill collectors from calling? 13. Will my utility services be affected? 14. Can I erase my student loans by filing bankruptcy? 15. Why is it legal to "wipe out" our debts? 16. Do I have to pay my bills during the bankruptcy proceeding? 17. What Won’t Bankruptcy Do For Me? 18. Who Should Consider Filing for Bankruptcy? 19. Will My Employer Know I Filed for Bankruptcy?