I was doing some reading here and got a little confused regarding my mortgage which I'm current on. I plan on filing first week of April but havent gone retained atty until next week. Question regarding exemptions, I live in CA and my home is worth 386k according to zillow, I owe 358k on first and 40 on my second so do I need to exempt 28k or will the second be included so my home is not considered an asset due to owing more than it's worth?
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