Avery, CA Bankruptcy Law Firms & Lawyers

You probably can't. First, a bill of sale is not for real property, you need a deed. If you are working with the mortgage company, they will want to see an earnest money agreement and contract of sale; if you are not working with the mortgage company, then you risk violating the "due on sale" clause that the mortgage certainly has, which makes the loan payable in full if you transfer the property. With real property, there is probably a lot of money on the table. Get legal representation.

Yes, a Chapter 7 bankruptcy will almost certainly wipe out (discharge) your credit card debt forever given your low income. You do not need to pay any of the credit cards if your income is only social security. However, consideration must be given also to property you own. You do not give any information about what you own. If you have substantial property you own then that may affect your chances of obtaining a discharge. I recommend having a consultation with a local bankruptcy attorney to evaluate your case. You need to provide the attorney with a list of property you own and your income. If you really want to pay your credit card debt then you need to file a Chapter 13 case but given your low income it sounds like you cannot afford to pay back your credit card debt and Chapter 7 is probably the best option assuming you do not own property that cannot be exempted (protected).