Federal and state bankruptcy exemption amount changes for homes, cars, retirement accounts and wages, means test income thresholds by state, filing fee and fee waiver changes, Chapter 7 and 13 rule and form changes, student loan discharge guidance, court rulings that change what filers keep, credit counseling and debtor education provider changes, bankruptcy mill and petition preparer enforcement and free legal clinic openings, with the state or rule first and the plain-language effect for a household with a $30,000 car and $200,000 in home equity.