My home was foreclosed Sept 11, 2012 due to divorce and hasn't sold to my knowledge within the 90 days. Do I need to file bankruptcy to avoid further repercussions? USDA took my tax refund from 2011, can they take it from 2012? If they can take it, can I file bankruptcy to avoid that? Would the bankruptcy have to be done by the end of 2012? Or can it be filed and done in 2013 BEFORE I file my taxes? Also, if I do file bankruptcy I would like to be able to keep my car. My ex took my kids 5 hours away from me and I need reliable transportation to see them in addition to work and survival needs as I live 75 miles from the nearest (affordable) grocery stores as well. I have a PERFECT payment record and a 10+ year history with my auto lender/credit union if that matters. Thank you.