I completely agree with Mr. Lauria's response and will only add one specific example of of where a document preparer almost cost the debtors a LOT of money.
A couple filed for Chapter 7 and used a "paralegal" instead of an attorney. The debtors did not claim any of their property as exempt in their bankruptcy petition on Schedule C. Rather than taking advantage of the situation and taking away their property, the Chapter 7 trustee advised them to seek legal counsel.
I was able to file...
Exemptions protect equity in property. Using the 704 exemptions, you can only equity in one vehicle in the amount of $2725. A Chapter 7 trustee will only take property if it has nonexempt equity that can be used for the benefit of your creditors.
The 703 exemptions are more popular because the unused portion of the homestead exemption can be used as a "wild card" to protect other property. And if you are sacred of losing something to a Chapter 7 trustee, you can always consider Chapter 13...
Under Section 348 of the Bankruptcy Code, the conversion means that all HOA dues prior to the conversion date are included and discharged. The HOA can only hold you personally liable for the post conversion dues. You remain liable until after the foreclosure sale.
If the HOA presses the issue, see a local bankruptcy attorney about reopening the case to file a contempt action against the HOA.
If you file for bankruptcy and the taxes are dischargeable, your husband would still be personally liable for the taxes. The tax authority would not, however, be able to pursue any community property assets such as his wages to collect the taxes so long as you remained married.
It rarely makes sense for only one spouse to file when there are significant joint debts owed. Please read my article on the topic at the link below. You should see a qualified bankruptcy attorney, preferably a...
If it has been more than 4 years since the filing date of your Chapter 7 case, you are eligible for a discharge in a Chapter 13 case. You would make payments on your debts for a 3-5 year period and whatever is left over would be forgiven.
Civil judgments can be dealt with in a Chapter 13. You should schedule a consultation with a local bankruptcy attorney to discuss if you qualify for a Chapter 13 bankruptcy.
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.
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.