All your credit card debt, car loans, mortgage payments, utility bills, and some other types of debt are TOTALLY ERASED. If your creditors still try to collect, just tell them to deal with your lawyer and your lawyer will tell them to take a hike.
You get to keep your house, your car, and some other items. If anyone tries to repossess these things, your lawyer will help you get your stuff back.
You can still get a student loan, and no one can shut off your utilities for back payments. You keep your driver’s license. You can NOT be fired from your job. And if anybody hassles you, your lawyer will help you make it right. It’s amazing what having a lawyer in your corner can do for you!