The good news is that in most cases, your retirement savings are protected if you file for bankruptcy.  

Here's why:

• ERISA Protection: Most 401(k)s, 403(b)s, and other employer-sponsored plans are protected by the Employee Retirement Income Security Act (ERISA). This federal law generally keeps these funds safe from creditors.  
• IRA Protection: Traditional and Roth IRAs are also typically protected up to a certain dollar amount, which is currently $1,512,350. This limit is adjusted periodically.  
• Bankruptcy Exemptions: Retirement accounts are usually considered exempt assets in bankruptcy, meaning they can't be seized to pay off your debts.  

However, there are some exceptions:

• Large IRAs: If your IRA balance exceeds the limit, the amount over that limit could be at risk.
• Fraudulent Contributions: If you try to hide assets by putting a large sum into a retirement account right before filing for bankruptcy, the court might consider this fraudulent and not protect those funds.
• Specific Circumstances: In rare cases, such as owing back taxes or certain legal judgments, your retirement savings might be at risk.  

Important Notes:

• State Laws: While federal law provides significant protection, state laws also play a role. Some states offer additional exemptions.  
• Chapter 7 vs. Chapter 13: The type of bankruptcy you file can also affect your retirement savings. In Chapter 7, assets are liquidated, but exemptions protect your retirement funds. In Chapter 13, you create a repayment plan, and your retirement contributions may be factored into your disposable income.  

It's crucial to consult with a bankruptcy attorney to understand the specific laws in your state and how they apply to your situation. They can help you determine the best course of action to protect your retirement savings while addressing your debt.