can credit card companies put a lien on my house and car? with chapter 7 will i be able to include my judgement so i dont have to be responsible?

Any creditor can obtain a judgment in court and then place a lien against any assets you have.  The underlying debt can usually be discharged in a Chapter 7 case (unless it was incurred through fraud or any of the other bases for non-dischargeability are present).  Liens will remain against whatever property you have an interest in on the date your case is filed, unless you separately file a Motion to Avoid the Lien in the Chapter 7 case.  That Motion will enable you to get rid of the lien IF the lien is impairing an exemption that you are entitled to under applicable law. Exemptions are "protections" for value you have in certain assets such that they are "exempt" from collections.  Every state has different exemptions amounts available. Exemption laws are based on the state where you resided for the 2 years prior to filing your bankruptcy case or, if you lived in more than 1 state during that period, in the state where you resided for the greater part of the 180 days prior to that 2 year period. You need to check with an attorney in your area to advise you on whether or not you'd be able to remove any such liens in a Chapter 7 case. Mark J. Markus, Attorney at Law Handling exclusively bankruptcy law cases in California since 1991. http://www.bklaw.com/ bankruptcy blog: http://bklaw.com/bankruptcy-blog/ Follow Me on Twitter:  @bklawr