A chapter 13 may well allow you to strip off the second mortgage lien, but in order to stay in your home you will have to cured the arrearage on the HOA fees as well as keep current with your first mortgage loan. Your credit card debt is most likely dischargeable.
HOWEVER it sounds as though you are misunderstanding what a chapter 13 does in the larger sense. In exchange for all the relief listed above, you must make a monthly payment for a minimum of 36 months and a maximum of 60 months...
Assuming your bankruptcy has been discharged and your case has been administratively closed by the court, you are free to sell your home if you are able to. If you are unable to sell it for enough to pay off the loan or loans then you would also be free to "walk away" from the property. Be mindful, though, that if you have a homeowners' association you remain liable for those fees for as long as you remain on the title to the home.
Your questions does not really make sense to me. The IRS would not be garnishing your check due to the failure to pay credit card debt. The IRS would garnish your SSDI for funds you owe for taxes or other federal debts or overpayments received by you in the past. My best advice is to take your paperwork into a lawyer to see what, if anything, can be done. Depending upon what the actual garnishment is for, it may or may not be possible to obtain some relief.
You should be speaking with your chapter 13 attorney. Generally, workman's compensation benefits and awards are exempt in Colorado. BUT the real answer to your question will depend on other facts such as those mentioned by Mr. Hunt.
None of the attorneys on this forum have the specific information needed to respond in a helpful or reliable fashion. Your attorney is the one who has the necessary information and can counsel you.
You can obtain copies of your documents through PACER as others have stated. There may be a fee per page. If you prefer, you can also go down to the bankruptcy court building at 19th St. between Stout and California and get copies there. There will be someone in the records room who can assist you. There is a cost of $.10 per page, I believe.
If your annuity is truly a tax qualified IRA annuity then it would remain safe in a bankruptcy filing. Bankruptcy can be quite complex and there is a lot at risk. You would be well advised to consult with and retain an attorney to assist you.
You are eligible for another chapter 7 discharge once eight years have passed from the date your prior case was filed. You should check the petition date from your case - that will tell you whether you can file again yet or whether you have to wait a little longer.
Zillion is NOT a reliable way of valuing your property. If you already have a chapter 13 attorney he or she may be able to suggest a realtor for a Comparative Market Analysis that would be sufficient for a lien strip or an appraiser for a formal appraisal of the property. With the value so close I would not be at all surprised if the second mortgage lender objects to the motion and provides an appraisal or BPO disputing your valuation. The more thorough your valuation is, the better chance you...