Retirement accounts are protected. You may unemployed now, but when you are working again, if they have obtained a deficiency judgment they will garnish your salary and seize your accounts. There are other factors to consider before filing for bankruptcy. You should talk to a local bankruptcy attorney.
You must list all your debt, including judgments when you file a Chapter 7 Bankruptcy Petition. By listing the judgments, they can no longer garnish your salary or seize your accounts. However, if you own real property, the judgment lien survives the bankrutpcy unless you file a motion to remove the lien while your bankruptcy case is pending. It is best to file before they obtain a judgment.
If the lien was obtained after you filed the Chapter 13, it must be removed as it violates the automatic stay. If the lien was obtained prior to the bankruptcy, you can file a motion to remove the lien. You should discuss this with your attorney.
Bankruptcy is for the honest but unfortunate debtor. Any documents filed with the Bankruptcy Court become public documents. Any documents provided to the Trustee may be made public depending upon what the trustee discovers.
Chapter 7 does nothing to help you keep or save your house. However, by filing a Chapter 7, you can discharge your personal liability on the note. What this means is that when the foreclosure comes to the end and the property is sold at a foreclosure sale, if the property sells for less than what is owed on the mortgage, the mortgage company can go after you for the deficency. The deficency is the difference between what the property sells for and the balance owed on the mortgage. However,...