iF FILING A CHAPTER 13 BANKRUPTCY CAN YOU SAFELY KEEP ROUGHLY 25,000. THAT YOU HAVE IN CD'S AND SAVINGS ACCOUNT OR DO YOU TURN IT OVER TO THE COURTS?

In Chapter 13 you keep all your assets, but you must propose a repayment plan that repays your creditors at least the amount they would receive in a Chapter 7 case, which would include the non-exempt portion of your assets. Any transfer of assets without receiving reasonably equivalent value prior to filing the bankruptcy would be deemed a fraudulent transfer, and the recipients could be sued for the value transferred, and it could be deemed grounds for denial of discharge in bankruptcy. You need to consult with an experienced bankruptcy attorney in your area to go over your options.  Your questions indicate that you are in way over your head.