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Some states let you choose between their exemption listing as well as federal exemptions. But most Chapter seven bankruptcy circumstances are "no asset" cases, this means all of the particular person's assets is possibly exempt or there's a valid lien in opposition to the residence.“I really have to say I've experienced the best experience filing

Even though Chapter seven is about finding out from underneath debts, filers often don’t want to discharge some debts. A filer should want to repay a vehicle rather then have a lender repossess it. In these situations, the filer can reaffirm the debt, agreeing to pay it off Though it may be discharged.Bankruptcy is governed by federal regulation,

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