Without the proper info, no one can fully answer your questions but . . .
1) what happens to the money in my savings account?
Cannot fully answer: a) you did not state the amount and b) you did not state what exemptions you can claim. My guess is, unless the funds are exempt, you will want to legitimately spend the $$ before filing and keep detailed records of what you spent the $$ on.
2) Restated. . . Will the bank that I owe $ to take the $ I left in that bank when I file?
Will they? Don’t know. Can they? Absolutely. It is call a right of setoff. As another stated, you will probably want to get your money out before filing and take steps to stop the direct deposit.
3) I will be left with student loans, mortgage, and car loan - all are current. Will this alone help rebuild the credit, or should I get a CC?
Get through the bk process and then think about this. You have more important issues to deal with.
4) My current CC is over 760 - how much will this ding my credit score?
I wouldn’t be worrying about a credit score. Regardless, it will tank.
5) we just had a house fire in April - lost everything.
Have you already settled with the insurance company and been paid? If not, you better discuss this with a bk attny long before you file bk. If you have been paid I assume you kept receipts on how you spent the $$.
Des.
