
Quoting
gigirle
A ch 7 is a total liquidation of your assets. Do some research on the net and this site as well. When and if you file, you will have to list collections that you own. Lets say one of the collections you own are cars. The court can order you to sell them to pay creditors.
Even if you will be collecting unemployment, you should be able to qualify. Take the means test to see if you qualify. I'll also go out on a limb here and say that your wife misunderstood your personal attorney. You DO NOT have to have a judgement to file, but if you have a suit in the works, then you should file.