Yes, while filling the bankruptcy, you needs to take the decision with the advise from the debtor. It is most crucial task for you to get the information and file the bankruptcy with proper advise from the lawyer to get schedule property. You needs to file the petition and make schedule to file the bankruptcy as per your needs. It is most crucial task for the owner to refinance the debt to get the protection as per schedule. You can reaffirming the debt to get proper recovery of the debt as per the schedule.
No, the retirement money are not considered as the property so you needs to get the proper security against the debt to get the protection. It is important for you to get the proper protection against the property. It is most benifial to get the proper protection against the security. It is important to get the protection as per terms. You need to get the social security benefits as per schedule. It is essential task to get the proper protection as per your needs.
Perras 
