Possible filing for Chapter 7 Bankruptcy in NJ

The quick answer to that is this: anything of value.

The new bankruptcy laws state that you must undergo a means test, by which your income will be tested against your debts to see if you have the ability to repay even a percentage of your debts. If you do, you will need to file Chapter 13, unless you are willing to allow the Trustee to sell any personal property of value. There are exemptions in each state for certain items, up to a certain amount - it is best if you consult a bankruptcy attorney to determine what will happen if you file.

So my desk, chairs, bowls, glasses, table, clothing, anything etc?

I don't know the law as it applies to such personal posessions, sorry. I don't think they can take those items, but again, your best bet is to speak to a qualified bankruptcy attorney.

I only know that in a Chapter 7, anything of value can be sold, up to a certain percentage, which is exempted by your state.

Also, please consider all other options before bankruptcy - it has a very long lasting negative effect on your credit.

Honestly, in my case - I have no property of value. No house, no car, no savings, nada.

Again, your best bet is to contact a bankruptcy attorney so they can clarify the details for you. If you have a job, you will most likely end up filing Chapter 13, which will allow you to repay at least a portion of your debts.

However, the final word on that rests with an attorney. Best of luck to you.