Thanks everyone!
The question about shifting debt was more for my husband as he thought that is something the bankruptcy lawyer would do. Personally, it sounded like a lot of risk and potentially illegal to me. Why take such a risk when my debt is minimal and completely manageable?
As for my childrens college accounts. My parents have offered to take charge of the accounts for a time. I know that I need to do something with this money such as invest, place in an appropriate fund etc etc. I am completely clueless when it comes to finances beyond managing bills so pardon me trying to communicate this with my lack of knowledge. My question is, if I invest this money in a state college fund or something of the sort, will it be safe? Would it be wiser to just let my parents hold onto the money until after the bankruptcy?
When my husband consults with a bankrupcty attorney, at what point are we "locked" in? Is it once he/she sees our finances or can they advise us on ways to protect the kids finances, our house etc etc before he actually files? He needs to go have a consultation, but I also want to make sure our ducks are in a row as well.

