Is someone going to come to my house and inventory all of my personal property when I file bankruptcy?

No.  It’s possible, but no.

Before you file bankruptcy, you fill out a part of the bankruptcy petition called “Schedule B.”  This lists your personal property.  Then your attorney applies any exemptions (protections) to that property.

For instance, here in Utah, your sewing machine is protected no matter what, but if you have a fancy air ionizer, it’s not protected at all.  (The bankruptcy trustee could seize your air ionizer so that he could sit in his office and breath those oh-so-trendy ionized air particles).

Truth be told, most of what you own is crap.  If you look around your house, half of the furniture was given to you by your parents when you first got married.  There are a couple of bookshelves you picked up at a garage sale, and you may have one or two nicer pieces of furniture that you bought one year when you had a good tax refund, but that’s it.  No one really has a $60,000 grand piano sitting in the front room;  if they do, they either don’t need to go bankrupt, or they need to sell it and pay off their creditors.

So there is a chance that the trustee will come to your home to inventory property, but I’ve never seen it happen.  It’s not worth his time in 99% of the cases.  inventory

On the other hand, the trustee will run a vehicle title search.  He will discover whether you have a boat or two four-wheelers that you conveniently forgot to list.  Creditors with secured claims against your $3,500 flat screen tv will show up in court and ask what your intentions are with that loan.  Angry ex-spouses may tell the trustee about your hidden collection of gold doubloons.

Generally though, the trustee knows that you have no personal property of real value beyond your vehicles, and it’s not worth his time to come to your home with a video camera.