Under the bankruptcy laws of this country, one's retirement benefits be they through an IRA, 401 k or some other approved retirment plan are exempt from disposal by the bankruptcy trustee in a chapter 7 bankruptcy. Your will have to dislcose your pension/retirement in any bankruptcy filing as a matter of course.From what you have written, it seems that you need to consult with a bankruptcy attorney about the process and how it could assist you in your current financial status.