Utility services: Most public utilities, such as the electric company, cannot refuse or cut off service because you are behind on your bill and 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 could not pay court-ordered damages caused in an accident, bankruptcy may allow you to get your license back.
Co-signers: Filing bankruptcy may protect you, but any co-signers you have will still owe on the debt afterward. If you file a Chapter 13 bankruptcy, you can pay the co-signed debt in the bankruptcy and the co-signer will be protected.