under what circumstances is my IRA touchable in a bankruptcy with a home with a deed of trust

Retirement accounts are exempt in bankruptcy regardless of what other assets you have. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.