I'd say your getting conflicting advice alright. Get some more consults lined up.
1. I have no idea where you heard this, but you have it way off. If you are a joint account holder with your wife and SHE files for bankruptcy and you do NOT, you can be held liable for the bills. They will waste no time in coming after you either. The bankruptcy only protects the person who filed. Community property state means that both spouses are held accountable for any and all debts acquired during the marriage, even if the account is listed exclusively in one spouse's name.
2, 3 and 4 are better answered by someone else here
5 False. You can actually keep your house in a bankruptcy
6.Same question as 5.

