1) Will you be using the homestead exemption when you file? In other words, do you have a home with equity that you need to protect?
2) How much equity does your car have?
3) How much of a refund are you expecting from each return - federal, state, and city?
In Florida, the federal income tax return refund is exempt from the Bankruptcy estate. If you are only expecting to receive a federal tax refund - not state or city - you do not have to wait to file a Bankruptcy.
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