V 1.0 2012-02-16

* $3450 in equity in your car; * $550 per item in any household goods up to a total of $11,525; ... your exemptions do not make any difference to the right of a mortgage holder or car loan creditor to take the property to cover the debt if you are behind. ... Debts incorrectly reported as having a balance owed will negatively affect your credit ... ................
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