You, your lawyer or the creditor's lawyer has to draft a reaffirmation agreement (form usually available at the local bankruptcy court website), get it signed and filed.
Bankruptcy attorneys should do their work pro bono.
Yes, you are not required to be unemployed to declare bankruptcy.
Yes. Filing bankruptcy does not affect your work status generally speaking.
There is no law against it but you might have trouble finding a lending institution that will work with you.
Yes, and if things don't work out, you can refile.
You need to include all of your debts in the bankruptcy.
Of course. It is illegal to discriminate against persons who have filed bankruptcy.
In Massachusetts, workers' compensation settlements are generally considered exempt in Chapter 7 bankruptcy. This means that individuals can typically protect these funds from being seized by creditors during bankruptcy proceedings. However, the specific amount that can be exempted may vary, so it's advisable to consult with a bankruptcy attorney for personalized guidance.
It should not preclude you. You might want to disclose that upfront especially if you know they are going to run a background check since that will definitely show up during their due diligence.
Yes
it does not work
No, not as long as they were included in the bankruptcy. You should give their information to your bankruptcy attorney, who will contact the debt collector. If that doesn't work, your attorney will certainly know what to do next.