should i file?

[Doghouse]

Also don't see why you want to keep 3 vehicles and a jet ski in a 2 person household. Does your son drive one of the cars?

And you also said, "... and its my bank ive been with for 11 years and i dont wanna shaft them ...". Look, I say take the emotions out of making a business decision. I have been with my credit union for 25 years yet I'm about to "shaft" them for a 70K 2nd mortgage, a 40K Heloc and a 4500 Visa Card when I file. The CU has been great and very, very nice to me over the years but I gotta do what I gotta do. There is no choice.

[goryr88]

according to ia law i can exempt 7000 for vehicles. my 95 taurus and 98 cadillac together are under this value. the bankholds security interest in both of these. now if i sold the 2003 cadillac then i would be ok right? i dont care about the jetski. i want to file pro se, but i might have to consult an attorney. anybody know any good ones in ia? any other comments questions suggestions? i appreciate all the help guys.