I agree with Mr. Weil. Make sure he hires competent counsel because this is not the type of matter he can handle on his own (at least not according to your description of his capacity). Also, what Mr. Weil was referring to regarding the non-exempt assets is that the Ch. 7 Trustee may take possession of and administer (sell) them in the bankruptcy in order to pay off the creditors. Competent counsel can evaluate all of this and will usually provide a free consultation up front.