The banks that I know that will freeze your account are Wells Fargo and Union Bank. Some local credit unions will do so as well. I tell my clients considering bankruptcy to avoid banking with Wells Fargo, Union Bank and any institution where they owe money.
However, most banks don't care. Mention this concern to you attorney before file as they might know more about the banks in your area and what they might do.
If your Chapter 13 was dismissed without a discharge and you haven't filed any other bankruptcy cases since then in which you received a discharge, you would be eligible for relief under Chapter 7. However, you still need to meet with an attorney to determine if you actually qualify for Chapter 7.
If day 60 falls on a weekend, creditors have until midnight on Monday to file legal objections to your bankruptcy. If they deadline passed and nobody objects to you receive a discharge, then the court will enter in shortly thereafter.
Some courts are faster than others and it depends on staffing and funding levels. In San Diego, the discharge might be entered by Tuesday evening. In Riverside, the discharge might take a month or more. Just be patient and it will happen soon enough.
Your question is impossible to answer without seeing your documentation. Your deductions could be wrong or you could have made some other mistake. Or the attorney could be wrong, but that is the person you should be asking.
If you "pass" the means and only have a $100 per month surplus in your budget on Schedule J, you will qualify for Chapter 7 99% of the time. You can always get a second opinion.
The tax debt is too recent to be covered by your bankruptcy. If you had income taxes due from 2007 or earlier, some of those might be covered if you meet certain other criteria but you are on the hook for the 2011 taxes.
With the proper planning, you should be able to keep your car and probably the tools. However, you should hire an experienced attorney to explain this things in more detail. Also, living off your credit cards while knowing you are going to file for bankruptcy could in the denial of a discharge of some of your debts.
While the number of years in practice can be an important factor, that only tells you how far they've been on the road and not how far they've travelled. What if the person who passed the bar exam in 2006 had decided to take it e off to write a book or travel? The newer attorney might actually have more experience. Heck, I tried my first case 6 months after I was admitted to practice.
Ask the how many similar cases they've handled. How many trials? How many depositions? Ask if they have...