I have to agree with the previous answer--this is a question for an attorney, preferably an experienced bankruptcy attorney. I sympathize with your situation and concern--I've been in that position myself, back in the '80's, and it is not a fun place to be! But your situation is unique and we, as Realtors, are not qualified to answer these kinds of legal questions. Please see a bankruptcy attorney right away--he or she can answer your questions and help you navigate through this with less stress. Good luck!
Sue Trautner, CRS 210-363-9282, San Antonio, TX