Bk/gift Of Equity Question

Location: Illinois

Are there any circumstances a bk court won’t try to go after the recipient of a gift of equity given by someone who files a bk? I sold my house to my ex so our son can stay in the same school district as ex was looking to buy a house and I could no longer afford mine. I did the gift of equity for a few reasons: There is nothing for sale in our town at a reasonable price. There’s low inventory overall but all the houses are like over 600,000. My ex can’t afford that. I could no longer afford the house and was going to have to sell it anyway. Our son has lived in the home his entire life and the schools are good. Moving him would not be good for him.

Per our divorce he let me keep the home and I didn’t have to buy him out.

He is letting me live in the home still and we are co-parenting (entirely dif story!)

Additional info- when I bought the house my dad was a non occupying coborrower. My husband had no credit and I needed to show a little more income. So my ex was never on the loan or title.

I lost my job in 2022 and have a chase cc lawsuit going on. Because of this showing up on my background check I’ve had 3 great job offers rescinded. I’ve only been able to find jobs making like $20 an hour. I am now two payments behind in a Capone card and my vehicle. I don’t know what to do if bk isn’t an option. The chase lawsuit is going to trial and I’m going to lose. (There’s an explanation for this as well- how it ended up this far- was never supposed too.)