I have a question concerning open accounts. I'm considering filing for BK, however, in order to continue making a living, I need my cellphone service and comm. vehicle ins. policy to continue uninterrupted. Will this be possible, or will these accounts be closed?

Everything has *finally* fallen into place for us to file this month. Our appt. to go over all off our paperwork and take the class is in a week and a half.

My question is our tax refund. I've talked with the attorney in the past about this and he said we would exempt it. (We're in TX,...