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What assets can you keep after filing for bankruptcy?

Question Details: My husband and I are considering filing for bankruptcy when we get our tax return. He has a $20k personal loan, around $10k of credit card dept and about $12k in student loans (I realize those do not get discharged). I also have about $10k of credit card debt and $24k in student loans. We are unable to make the all the payments. Additionally, we own our mobile home which is worth roughly $20k. We also own both of our vehicles, about $3k and $2k, repectively. We don't have any thing of real value. I have been researching state law and it seems there is an exemption of up to $20 k per person for mobile homes, so we will be able to keep our home. Will we keep the house and cars? Is this unusual?

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