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...
Fees can vary significantly from one office to another. They also will vary with the specifics of the case, including the number of creditors and whether they are in collections, whether there are judgments against you, the types of debts that you owe, etc.
Most bankruptcy lawyers offer a no-cost, no-obligation initial consultation during which they will gain enough information to give you a fee quote for your case. While there are some very low fees or there, you should be careful you...
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.