Any other NJ filers out there?

[keepsmiling]

Seems like lots of FL folks on the board... wondering how NJ experiences have been...any interesting stories, trustees sending appraisers out, etc?

[helpmeout]

The Trustee didn't send an appraiser out, but then I also provided her with a recent evaluation from a realtor that stated what the FMV was.

[tobee43]

Seems like lots of FL folks on the board... wondering how NJ experiences have been...any interesting stories, trustees sending appraisers out, etc?

we left nj to go file in florida........and apparently it was no better...

IF we had stayed we would have filed federally, since in nj you have the choice...after reviewing nj exemptions i felt it was a very creditor friendly state.

after we realized we were losing the house we decided to wait and hold out the two year residency time and file in florida, although, we still have the property in nj...what a mess....

are you going to be filing nj or federal exemptions...i would examine them both carefully...

[keepsmiling]

I don't think ANYONE uses NJ exemptions-- they are virtually non-existent

[catleg]

yes in NJ you always choose Federal. trustees tend to be a little bit more lenient here because it is not a known debtor-friendly state, i.e. no homestead exemption. in my opinion, anyway. we don't have some of the horror stories that come out of Florida central district.

[tobee43]

I don't think ANYONE uses NJ exemptions-- they are virtually non-existent

ain't that the truth....but heck they were much better in florida!!!!!

[tobee43]

yes in NJ you always choose Federal. trustees tend to be a little bit more lenient here because it is not a known debtor-friendly state, i.e. no homestead exemption. in my opinion, anyway. we don't have some of the horror stories that come out of Florida central district.

cat your so right it's like i jumped into the frying pan into the fire....going from nj to the florida central district....could i have picked better?? LOL!!

thankfully we had no problems, but it most certainly is or would no longer be my choice!

[keepsmiling]

Trying again to round up some NJ filers, maybe start out own group. Anyone interested? Can one of you old-timers tell me how to start a group?

[df04527]

tobee did it for us floridians.... she can probably help....

[tobee43]

yes, it's easy and i LOVE our "little" spot on the forum for all us in the sunshine state......


we came from nj...and man we think the exemptions here in florida are bad, take a gander at good ole jersey!! it's why we left and waited 2 years to file....

[beenfive]

If I read your question correctly you said that your husband made under $6000. With a four person family you tax liability would be zero. Which would result in the minimum stimulus payment of $300 for each of the adults and then $300 for each child, which would be a total of $1200 rebate. FYI... AGI is adjusted gross income.

[keepsmiling]

If I read your question correctly you said that your husband made under $6000. With a four person family you tax liability would be zero. Which would result in the minimum stimulus payment of $300 for each of the adults and then $300 for each child, which would be a total of $1200 rebate. FYI... AGI is adjusted gross income.

I think this got posted in the wrong thread?

[tobee43]

yes, i think you might be right..LOL!! either that or...we're missing something?? ROFL!!!!!!

[BankruptinNJ]

I just started a New Jersey Group! Check out Groups under the Community tab above! Everyone is welcome to join!

[keepsmiling]

Hey Neighbor,
Thanks for taking the reins on that and not waiting for me to stop procrastinating!