We are filing chapter 7 in only my name, due to some land in my wifes family that we dont want to risk. She has a vehicle and i have a vehicle. Hers is worth less than we owe, but mine is owned free and clear with a value of around 4000. Both vehicles are in both names. Our boat we would like to keep is in both names, with a value of around 3000. An older car we have is just in my name. All the debt we are eliminating is in just my name. Will they still go after the things in both names? We do have debt in my wifes name, about 7000 on a credit card account that has gone to collections--but we are not including her debt in the BK.