Milton, FL Bankruptcy Law Firms & Lawyers

There is no set amount. If you claim homestead exemption you can claim up to $1000 worth of personal property as being exempt from the claims of creditors, if not you can claim $4000. Plus you can claim up to $1000 of equity in a single motor vehicle, and certain other items, as being exempt. Consult with a local bankruptcy attorney.

I am terribly sorry you're having so much trouble rebuilding your credit. I'm afraid you may never know what went wrong. Normally, the bank does not sign the agreement & requires your attorney to return a copy with the signatures of you & your attorney to it. Perhaps your attorney failed to get the agreement back to the bank. OR the bank failed to file it with the court before your discharge date. Occasionally the bank will sign & request that your attorney file the reaffirmation agreement with the court as soon as you sign. There are so many different steps, & an attorney can have many of these up in the air at one time. It's easy for something to fall through the cracks. But, if you stay on top of it & it's the mortgagee's fault that the agreement isn't filed, even after several requests that they do soyour attorney can file a motion with the court to prevent the bank from taking adverse action (such as failing to report your payments to a credit bureau) due to lack of a reaffirmation agreement. Obviously that was not done in this case.