In my state (PA) I can take PA exemptions and (I found out) that all joint assets are 100% exempt 
if all our debts are individual and not joint. But we lease our cars so my question is #1. Is that considered a debt and if yes is it something I would put on my outstanding debts? and #2. Since it's in joint names, will that make me not eligible for my state exemptions?
Thanks so much for all your help! I love this site!
if all our debts are individual and not joint. But we lease our cars so my question is #1. Is that considered a debt and if yes is it something I would put on my outstanding debts? and #2. Since it's in joint names, will that make me not eligible for my state exemptions?Thanks so much for all your help! I love this site!