can someone please tell me the rules on insurance cash values and stock and savings when filing a chapter 7 ? we have so little left, about $5000 but its all that we have as we have gone through it all trying to stay above water untill our bad luck passes. I know we will need it as our car has over 150,000 miles on it. we live in wisconsin. perhaps if i could withdraw it before seeing an attorney? i dont want to do anything illegal. if i were to do this do i have to wait so long before getting an attorny?