Many people question what do they have to give up when they file for bankruptcy and what do they get to keep. Many people are concerned if they will be allowed to keep their retirement accounts intact. Are the creditors entitled to the money you have in your retirement funds? Bankruptcy court usually will keep your retirement funds untouched unless of some minor limitations. The bankruptcy law was amended in 2005 by the Congress to make it more difficult for people to apply for bankruptcy protection. With the passage of this new bankruptcy law, your retirement accounts are almost certainly sheltered from the creditors who are seeking to liquidate them.
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