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So when we file 11. If my assets are less my exemptions . I get total discharge as in & and a fresh start. Does this depend on disposable income? Does disposable income matter?
If my assets are greater than my exemptions, is 11 more like a 13 in which there is a payment plan. Does this vary based on disposable income?
Once I file chapter 11, does the bank automatically call of the repo guy, or can he still pull it off the street? If he pulls it, how doe I get it back. Through the court? That would take months.
Thanks for your help. Bonus after this followup.
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