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Knew some people in Florida that went through bankruptcy before the laws were reformed at the federal level. They only had to give up the things that were securing the loans. They were allowed to reaffirm the debt on the house and a car. Another car that was paid for they had to give up or pay the value of it. Credit card debt only resulted in loss of property if the card company sent someone to the hearing to ask for the return of charged property. The only ones that did was Sears. Sears would take their stuff back no matter what, even if it was junk. Then throw away the junk. The property exemption allowed them to keep the rest.
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Seams like once we the people give what, at the time, seams like a reasonable inch and "they" take the unreasonable mile we can only get that mile back one inch at a time.
No spelun and grammar is not my specialty. So please don't hurt my sensitive little feelings by teasing me about it. 
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