Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
If you have no intention of keeping the truck, you should voluntarily surrender it. This will save you thousands in court costs and attorneys fees that you would incur if a repossesson and replevin action were filed by the lender.
No creditor can touch your retirement pension. It is safe from all creditors, assuming it is an ERISA-qualified program. I don't know of any that are not. So, your pension should be protected.
Your husband is not responsible for your individual debts. He is responsible for any debts you owe jointly.
No, you won't have to go to court when you surrender the truck. They'll just go pick it up and sell it.
Whoever wants the house will have to buy the other out and assume the mortgage on the property. If neither wants the house, it can be sold and profits split. Also, if you want to sell the house, and he doesn't, you can file a partition action to force the sale.