I want to file a Chapter 7 bankruptcy. I have gone for consultations to three law firms recently and none of the attorneys I have spoken to can give me a yes or no answer to the following questions:
1. In April 2005, I put money into a nonqualified annuity account at Prudential. Is this money definitely protected from bankruptcy? If yes then what is the limit on the amount of money that can be in the account?
2. If I am due a tax refund from federal and state is the money definitely protected from bankruptcy?