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I am trying to take advantage of the additional 4K exemption allowed to keep other personal property, (like my car, which has too much equity) when I file for bankruptcy. Do I need my Homestead exemption to protect our home equity from debtors to put a lien on our home, if my son is on the title too ever since we've purchased the condo together a year ago? Or, since he is on the title too, they cannot foreclose or pur a lien on the home, which is seller financed and we are current on the mortgage payments, plan to keep the condo.