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  1. My understanding is that System1 set of exemptions is really good in protecting the home equity (it protects up to $75,000), but it doesn't do that good of a job of protecting my car and personal property (i.e. no wildcard exemption, no $650 dollars per each item allowed, etc.). System 2 seems like it will let me protect pretty much all of my personal property (especially with that new generous $4,800 vehicle exemption), but the homestead exemption for the system 2 is only around 23K if I am not mistaken, which may be a risky deal, considering how much the house prices have been going up in Ca
  2. Hello, Midland Funding just posted degratory information on Experian for an account that was included in Bk. The BK was completed 8 months ago. What should I do?
  3. My mother filed for bankruptcy late last year in Washington State and it has been discharged. No creditors went to the meeting of creditors and nothing was sent to my mother or her bankruptcy lawyer regarding any reaffirmation of debt. She is now getting letter and calls from Bass and Associates based in Arizona "requesting" her to voluntarily surrender the furniture she bought. It was bought from Furniture Row and the current total value if resold would be less then 500.00. This is a high guess. There is a love seat, recliner, both standard at best and one mattress and box springs that w
  4. Here is an excellent website where you can do your own Means Test to see if you can qualify for Chapter 7 BK.
  5. Im in a pretty unique situation and have planned to either fight or look into BK. So let me keep this short and sweet as I can to make it easier for all of the super awesome folks here First off I am divorced, no kids. Ex wanted to be debt free, thats why she left, so I settled for taking debt and a lump sum Spousal Support paid over 9 months of $20K (last payment in March) I work 100% commission and last year was unique and I made $135K. (Worst time since I got divorced and she saw the money signs ) Typically I make around $85K. But my job can be gone in an instant... So here is my stor