Bankruptcy Help

Hi Everyone,

I have a problem that I hope I can get advice for. Back in the summer I incurred about 15,00 in debt due to being bi-polar. In my cycle of being up I charged too much and had other bills I could not pay due to the fact I have been unemployed because of injury. My wife and I had been separated for over a year. We divorced in December of 2010. Due to the fact I had cashed out my IRA I gave her the interest in my house. I went to see an attorney on January 2011 and filed for Chapter7. When he asked me if I had transferred any property I assumed he meant by third party and said no not thinking about the house.

When I went to the first meeting the trustee accused me of fraud because of me giving the house to my wife and wants a payment of 10,000 to 15,000 to make it go away. I do not have that kind of money and my wife does not want to lend it to me. The trustee is threatening to put the house up for sale. I don't want my wife and son to lose their home. Since I attended the first meeting is it too late to file a motion to dismiss? Can I convert to Chapter 13 and have the debts dismissed? What happens when I go back in two weeks and tell the trustee I have no money? I am worried sick over this and would appreciate any help or advice given. Thank you all.