When my wife and I went for our free attorney consultation a couple of weeks ago, the attorney gave us a packet (almost 50 pages) of info to fill out. Once we found out what he was going to charge us to do the B/K, we decided that (with the help of Form7 software and Nolo's book) we would do it ourself.
But, here's something I thought a bit strange. While looking over the packet yesterday, I noticed that under "EXEMPTIONS" he has the following:
1. Debtor(s) claim(s) As Exempt all property allowed to be exempt under the laws of the state of Texas, even if inadvertently omitted herein.
2. Debtor(s) claim(s) As Exempt all property allowed to be exempt under Federal laws, even if inadvertently omitted herein.
I understand that it is meant to give us a choice of using our state exemptions, or the Federal exemptions. But, even if inadvertently omitted herein??? Isn't that like saying "Even if we failed to list a creditor?" From all I have read... if the creditor is not listed, it's not discharged, but this looks like a "blanket" clause.
Anybody seen this one before and know if it's usable or not? If it is .... it would sure save allot of headaches in case a creditor was to be "inadvertently" overlooked.
Many thanks!
Ronnie
TatteredInTexas
But, here's something I thought a bit strange. While looking over the packet yesterday, I noticed that under "EXEMPTIONS" he has the following:
1. Debtor(s) claim(s) As Exempt all property allowed to be exempt under the laws of the state of Texas, even if inadvertently omitted herein.
2. Debtor(s) claim(s) As Exempt all property allowed to be exempt under Federal laws, even if inadvertently omitted herein.
I understand that it is meant to give us a choice of using our state exemptions, or the Federal exemptions. But, even if inadvertently omitted herein??? Isn't that like saying "Even if we failed to list a creditor?" From all I have read... if the creditor is not listed, it's not discharged, but this looks like a "blanket" clause.
Anybody seen this one before and know if it's usable or not? If it is .... it would sure save allot of headaches in case a creditor was to be "inadvertently" overlooked.
Many thanks!
Ronnie
TatteredInTexas