Are retirement accounts and college savings plans for children completely protected if we have to file for bankruptcy to handle credit card debt?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are retirement accounts and college savings plans for children completely protected if we have to file for bankruptcy to handle credit card debt?
4 real searches · 1 real-search pass
U.S. Bankruptcy Code 11 USC 522 retirement funds IRA exemption 2026 529 plan 541(b)(6) Alabama bankruptcy exemptionsGoogle ↗
OBSERVEDReason
Alabama bankruptcy exemptions opted out federal exemptions retirement accounts 529 college savings bankruptcyGoogle ↗
OBSERVEDReason
11 USC 541(b)(6) qualified tuition program contributions 365 720 days bankruptcy college savings planGoogle ↗
OBSERVEDOther / navigational
Alabama 529 college savings plan bankruptcy protection 11 USC 541(b)(6) beneficiary childGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
U.S. Bankruptcy Code 11 USC 522 retirement funds IRA exemption 2026 529 plan 541(b)(6) Alabama bankruptcy exemptions Google ↗
Alabama bankruptcy exemptions opted out federal exemptions retirement accounts 529 college savings bankruptcy Google ↗
11 USC 541(b)(6) qualified tuition program contributions 365 720 days bankruptcy college savings plan Google ↗
Alabama 529 college savings plan bankruptcy protection 11 USC 541(b)(6) beneficiary child Google ↗
- 573BV · govinfo.gov
- 11 U.S.C. § 522: Exemptions · uscode.house.gov
- Alabama Code § 6-10-11 (2025) - Exemptions in Federal Bankruptcy. :: 2025 Code of Alabama :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- FROM THE ALABAMA LAWYER – Consumer Bankruptcy for the Non-Bankruptcy Lawyer: The Nuts and Bolts of Chapter 13 and Chapter 7 · alabar.org
- 11 U.S.C. § 541: Property of the estate · uscode.house.gov
- 11 U.S. Code § 541 - Property of the estate | U.S. Code | US Law · law.cornell.edu
- | UNITED STATES BANKRUPTCY COURT · inns.innsofcourt.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
U.S. Bankruptcy Code 11 USC 522 retirement funds IRA exemption 2026 529 plan 541(b)(6) Alabama bankruptcy exemptions OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Alabama bankruptcy exemptions opted out federal exemptions retirement accounts 529 college savings bankruptcy OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
11 USC 541(b)(6) qualified tuition program contributions 365 720 days bankruptcy college savings plan OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Alabama 529 college savings plan bankruptcy protection 11 USC 541(b)(6) beneficiary child OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |