I live in Houston, TX and need to file bankruptcy. I own my own home and it is paid for in full (no mortgage, yes HOA fee). I do not have a car however I desperately need one. I also owe the IRS around 12k. This happened because, when my mother passed away, her IRA came to me. I had no idea/was never informed of withholding and because of my ignorance I am deeply in debt. I would like to know a) can I keep my house? b) should I attempt to purchase a car before or after filing and c) can my tax debt be included? Any advice is appreciated!