1. The debt that she owed was denied during the previous judgment, but she had it dismissed and now is trying to get it bankrupted again. Can she add a debt that was previously denied.?
Response 1: Yes, she can.
2. Will the $107,000 personal asset help me with preventing her from bankrupting my debt as she has more cash than I do. Will the judge care that she has that kind of money and is offering me only 12% of what she owes me ( 12% 0f $1,950.00)?
Response 2: No, to both questions. This is because she can legally exempt that asset in her bankruptcy and if she properly exempts it, that asset cannot be used against her eventhough it appears unfair to you. The properly exempted asset cannot be reached by the Trustee or the debtor's creditors like you.
3. What happens at the Adversary hearing. Is it like a regular court room where I get to question her and present my evidence. What is the procedure?
Response 3: It is like a regular trial but in a bankruptcy forum. You can make discovery requests, file notice of deposition, ask her questions under oath, etc. See Federal Rules of Bankruptcy Procedure Rules 7001 to 7087 for more information: