New Jersey Story

[momofthree]

no no....you still misunderstand...i never used federal...

Then what were you arguing and offering as proof? You were trying to use your bk discharge as proof that one can file in FL using federal exemptions yet now you state that you used FL exemptions. You're talking (typing) in circles. Again, you have absolutely no proof that someone can use federal exemptions in FL. Just because you claim you had the option to use the federal exemptions after fulfilling residency requirements doesn't mean it's true.

There are people on here from FL who may read this and think they can file using federal exemptions. Please don't provide inaccurate info to them.

[geye]

no no....you still misunderstand...i never used federal...they were not as bad as nj...but florida was far better than both for us...so we held on for over 2 years NOT because of the homestead...as you r well aware nj has NO homestead laws.

we surrendered r house in nj anyway, so that point was moot for us. after reviewing the entire situation it was best for us to put as much time between us and the filing dates for a number of reasons.
for our personal situation, we had a many more complex issues to deal with...(you know many of the questions??? on the petitions)....well one would LOVE to say NO to everyone of those right? whether it be federal or state.

so this was just the BEST for us, not everyone....and we did NOT own a house in fl to homestead it or reaffirm it....so once again that wasn't the issues on our personal situation.

each person is different and each individual situation calls for what suits that particular need, and to think it out, one would hope very carefully before moving forward and filing. this was just the BEST as i stated for us.

it's ok to agree to disagree....you still made me laugh mom...and for that i'm grateful today.

I'm confused. I thought you lived in your house for over 33 years and just left it 9 months ago?

[tobee43]

no no....you still misunderstand...i never used federal...they were not as bad as nj...but florida was far better than both for us...so we held on for over 2 years NOT because of the homestead...as you r well aware nj has NO homestead laws.

we surrendered r house in nj anyway, so that point was moot for us. after reviewing the entire situation it was best for us to put as much time between us and the filing dates for a number of reasons.
for our personal situation, we had a many more complex issues to deal with...(you know many of the questions??? on the petitions)....well one would LOVE to say NO to everyone of those right? whether it be federal or state.

so this was just the BEST for us, not everyone....and we did NOT own a house in fl to homestead it or reaffirm it....so once again that wasn't the issues on our personal situation.

each person is different and each individual situation calls for what suits that particular need, and to think it out, one would hope very carefully before moving forward and filing. this was just the BEST as i stated for us.

it's ok to agree to disagree....you still made me laugh mom...and for that i'm grateful today.

[momofthree]

PROOF:

Filed Consumer Chapter 7: 4/2010
341 meeting: 6/2010
No-asset distribution report finalized: 8/4/2010
Discharge of Debtors: 8/4/2010

That's not proof anymore than my saying that "I am a lawyer" is proof of my being an attorney. Any fat slob can sit in their mother's basement and claim to be a rockstar millionaire. Saying it doesn't make it true. And you're right, FL exemptions are better than NJ, I've never disputed that, but federal exemptions are better than both (unless you're using FL homestead exemption).

However, it stands to reason, if you think FL exemptions are better than federal, why did you wait until you fulfilled the FL residency requirements and then use federal? That makes absolutely no sense whatsoever. You could have just used the federal as soon as you moved, or even while you were still in NJ. Federal exemptions are the same no matter what state you're in...(though not all states allow their use--FL being one of them )

[tobee43]

and MOM.....OH!! NO!!!!!! never would i do this pro se....never!!!!!!!!...a real estate closing YES!!!!...but i wanted someone that knew the trustee's and i sure knew that wasn't ME!!

[tobee43]

And for a laugh, this is all of us:

OK...LOL!!! OK!! YOU WIN!! that was just toooooooooo funny...

nope...we left nj....waited the 2.6 years and then filed florida.....

it was far better than nj and the federal choices we had....also...florida was 1/2 as stingy as nj and about 1/4 better than the feds....just to make that clear...

but you broke the ice mom....and that was just TOOOOOOOOo funny!!!

i think we all needed that!

[Pandora]

i guess the law professors could have been incorrect?????....

Yes - perhaps you misunderstood and wrote it down incorrectly what they were inferring to - it happens. No harm, no foul.

[tobee43]

MOM "]Amazingly enough, you still haven't posted a single shred of evidence to back up a single word you've typed."


PROOF:

Filed Consumer Chapter 7: 4/2010
341 meeting: 6/2010
No-asset distribution report finalized: 8/4/2010
Discharge of Debtors: 8/4/2010


i promised i wouldn't...but i couldn't resist......and then REALLY HONEST...i'm done.....

LOL!! please it's laughable...i'm not feeling intimidated at all. quite the opposite.

[momofthree]

And for a laugh, this is all of us:

[momofthree]

ira...you got that...we LEFT the state and waited to file since nj was so bad and we didn't want to go federal.

Yet, you say you used the federal exemptions to file in FL? Confused. You had the option of filing using federal exemptions in NJ too, so what was the point in moving and waiting to file. End result is the same either way, right?

FACT: we filed and lived in florida for 2.6 years and had a CHOICE...either to go federal exp...or state exp....end of story! i'm not a liar...PERIOD.

No, everyone else are the liars, aren't they? Oh, wait, no, we're just ignorant. Our lawyers made all our decisions for us because we're too stupid to understand the complexity of federal vs. state exemptions. I'm surprised you even had to hire an attorney, you learned everything there is to know about BK in that 5-month bk course you took. You did get an A+++++++++ after all.

[momofthree]

Amazingly enough, you still haven't posted a single shred of evidence to back up a single word you've typed.

..and although you may think i sound condescending, it may be because it's difficult to have conversations with people who copy and paste their info off the net and really have no working experience.

If copying and pasting info off the net is so easy, then PLEASE provide 3 reputable sources that state that all states allow the use of federal exemptions when residency requirements are met. Or, heck, even that FL can use federal exemptions under residency requirements.

No one is trying to intimidate you. We're just asking that you back up your statements, just as you told us to back up ours. Yet all you do, is once again, refer to your A+++ that you got in your paralegal course at one of the "best law schools in the country."

I'm sure those here that were forced to use FL's (also stingy) exemptions would LOVE to be able to have those resources so that they can inform their attorneys that they can use the federal exemptions after all and that they don't have to buy-out their household goods from the trustee. So, as a favor to those filers, please post the sources to back up your "FACTS."

[tobee43]

Quite frankly, you come across as condescending.

mom....yes...i know i do and maybe i am at some points....and yes, i did and have reside in florida for over 2 years and YES, i had WE were able to chose whether to go florida or federal. what are you suggesting i'm not telling the truth about that??? THINK...if possible...what's the point?????

for what reason...yuck you get them all!!

..and although you may think i sound condescending, it may be because it's difficult to have conversations with people who copy and paste their info off the net and really have no working experience.

no more said on this matter....done. does that make your source of information incorrect...absolutely.

i'm not here to be challenged and i do not claim to know everything. i learn everyday something new.... however, my law professors where some of the best there are....so excuse me if i THINK the information provided by them is more believable than what you have provided by copying and pasting something on google.

FACT: we filed and lived in florida for 2.6 years and had a CHOICE...either to go federal exp...or state exp....end of story! i'm not a liar...PERIOD.

many times the attorney does not make clear the choices...they chose for you, because it may be best for your situation.


helpmeout....i'm certain you are in NO position to disbute the law professors at bu. boston u law school has one of the best law programs in the country. this was NOT an on line course it was a 3 year very difficult program....which provided a national cert.

i'm not here to argue with any of you. we all have our problems and some people just like to argue over everything....personally that's not me i ...i have better things to do with my time and energy.

everyone is entitled to contribute their opinion. ( BUT THAT's ALL IT IS!).... personally i think it's dangerous when you give incorrect info as you have done......i would NEVER ever give legal advise EVER....neither should either of you since it's incorrect.

end of this story...i do NOT intimidate easily helpme....so you can continue to attempt to put down my intelligence all you like.... (it clearly shows me a picture of who you are...when you attempt a poorly executed Personal attack)

i'm done now..... since i need to move on....i made sure to dump ALL toxic waste..... including this discussion.


THIS IS A PERFECT EXAMPLE WHY WE LEFT NJ AND WOULD NEVER GO BACK......

[tcreegan]

colo exemptions only

Hi all,

thought I would chime in....Colo is a "state exemption only" state. You cannot use the federal exemptions, you must use the state exemptions.

Fortunately our state exemptions are on par with the federal exemptions; a little more here and there to make up for changes in the market.

Tom in Colo

[helpmeout]

helpmeout...well.. of course it's either NOT both...that has never been suggested by me...and i must have done ok with MY notes hence the A+...it's not MY notes it is the information provided with the course.....which doesn't mean it was correct. no need to suggest is was me...i was perfect...LOL!!!

ira...you got that...we LEFT the state and waited to file since nj was so bad and we didn't want to go federal.

And you probably lived in Florida for less than 2 years. Which was why you were able to use NJ's choice of exemptions.

BTW, I once got an A on a computer program I wrote from a teacher. The program I wrote was written mostly by him and even then, it didn't do what he had instructed for the program to do. I switched majors after that.

[helpmeout]

once again, i'm not really caring either way. however, when you make such a statement, i'm just asking you to back your statement. and, NOT by having me back up your statemen by me for YOU.... i have never heard any state allowing BOTH exemptions. doesn't mean i'm correct

With the above statement you made, you implied that I claimed that one could claim BOTH state and federal exemptions. I did not.

And it's rather obvious that you are not correct.

Making a future note to my self to never use a paralegal for legal work.