Thank you for your question. I am happy to assist you.
In a Chapter 7 bankruptcy, you typically would be able to keep the 401K. Typically the credit card debt and personal liability on the secured debt (house in Florida) would be discharged in a Chapter 7 bankruptcy.
Unfortunately the transfer to your finance may be avoided as a fraudulent transfer by the bankruptcy court. This means that you could lose your interest in the property or have to purchase your interest back from the bankruptcy trustee regardless of the fact that you transferred it to your finance.
Bankruptcy Code §548 provides for the avoidance of fraudulent transfers within two years before the bankruptcy filing date. (Transfers to self settled trusts and similar devices are subject to a 10 year avoidance reach back.)
For your convenience, the Florida bankruptcy exemptions are as follows:
1. Homestead. Property cannot exceed ½ acre in municipality or 160 contiguous acres elsewhere;
2. Annuity contract proceeds;
3. Disability or illness benefits;
4. Life insurance cash surrender value;
5. Alimony, child support needed for support
6. Damages to employees for injuries in hazardous occupations
7. Pre-need funeral contract deposits
9. Any personal property to $1,000 (the exemption is increased to $4,000 for those debtors not claiming or benefiting from a homestead exemption. )
10. Health aids
11. Motor vehicle to $1000
12. Most Public benefits
13. $500 in wages per week either unpaid or paid and deposited into bank account for up to 6 months
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE