Thank you for the info. But 1 question i have, you were mentioning the PA exemptions, i know PA dont offer much to, lets say, protect my car, but in PA, you can use either PA or Federal exemptions. So if the federal exemptions protect my car for more than the state exemptions do and the fedreal limit covers the book value of it, wouldnt that make it exempt? I know people always say PA doesnt allow many exemptions but im thinking that they dont realize that we can use the fedral exemptions instead of the states if we choose. Isnt that true?