TO answer your questions, the exam will just identify assets. Answer the questions honestly. When all you have is some personal property, I would not expect the creditor to do anything. At this time for $10,000, I would wait for your husband to get a job and work out a payment plan then. $10,000 is not enough to damage your credit in the long term by filing. Finally, the storage place has a "warehouseman's lien" for its fees, which have priority at any auction.
Michael D. Siegel, Esq.
Siegel & Siegel, P.C.
One Penn Plaza
New York, New York 10119
Serving the metro New York area, including New Jersey