I have some questions on what accounts can and cannot be kept in a chapter 7 bankruptcy.

I will probably be filing soon, but my wife will not be filing. Our cars and house are under both of our names. The house has some equity (though not really very much), but the cars are both worth less than is owed on them. On the house, can it be taken even though my wife is also on the account, and is NOT filing bankruptcy? I certainly do not wish to discharge the house, and we are not, nor ever have been behind on the payment.

For the credit cards, must they all be discharged, including those with 0 balance? What if the balance was recently brought to 0? I'd like to keep one if I can, but I'm not sure how it will work. I spoke to an attorney who told me that if he allowed the cards to be re-affirmed, and I later failed to pay them, he could be sued for malpractice. Is this true? We didn't talk about if cards had a 0 balance, though. Actually, they don't currently, but one has a low enough balance that I could pay it off before filing. Would it do me any good to do so?

What about my checking account? One of my cards is kind of "tied" to the account, as it serves as my overdraft protection. I also have a debit card on the account. Would I be allowed to keep the debit card?

Also, I run a small business, and have a business account that also has a debit card, and I also have a business credit card, which I pay off every month. What happens to those? It's not that big of a business...the place where I work doesn't hire employees- instead, they subcontract the work, so that everyone who "works for them" is actually self-employed.

Finally, my wife and I have recently incorporated, and plan to put any/all of our businesses under our corporation as divisions or subsidiaries. I plan to do this regardless of the bankruptcy. Should I do it before or after filing, or am I required to to it either before or after filing, or does it matter? Obviously, selling it to the corporation will protect it from the bankruptcy, but will that be seen as trying to "hide assets" if done so soon before filing? There are really no actual assets to the company besides my tools, which I understand are not subject to being taken, since I use them in my job.

Sorry for being long-winded. I'm just trying to include everything I think might be relevant.

P.S. The reason I am considering filing is I cosigned for a loan on my daughter's car, and she allowed it to fall behind, then get repossesed. I figure I'll probably owe 10-15K on it once it's sold, and there is just no way I can pay that, unless they choose to set up a payment plan. More likely, they will sue to get garnishments and so forth. I figure it's best to just get it over with as quickly as possible, instead of dragging it out for years. Anyway, when I (and my daughter) file bankruptcy, is there any way the bank can try to collect from my wife? She is not on the account. It was my daughter's account, and I cosigned for it alone. I'm just wondering if they can attempt to collect from her just because she is married to me?