Utility services: Public utilities, such as the electric company, cannot refuse or cut off service because you have filed for bankruptcy. However, the utility can require a deposit for future service and you do have to pay bills which arise after bankruptcy is filed.

Discrimination: An employer or government agency cannot discriminate against you because you have filed for bankruptcy.

Driver’s license: If you lost your license solely because you couldn’t pay court-ordered damages caused in an accident, bankruptcy will allow you to get your license back.

Co-signers: If someone has co-signed a loan with you and you file for bankruptcy, the co-signer may have to pay your debt.