In New York all property obtained by either spouse during the marriage belongs to both spouses, unless the property was obtained with separate funds - an inheritance or money that spouse had before the marriage. This fact cannot be changed by transferring the property into one spouse's name only.
The 1994 house belongs to both of you, even though it is in your name only.
The VI house belongs to your husband only (because an inheritance), even though it is in your name.
The 2010 house belongs to both of you, even though it is in your name only.
Unfortunately, the Bankruptcy trustee does have the right to 1/2 of the equity
in the 1994 home, all of the equity in the VI home, and 1/2 of the equity in the 2010 home.
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