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what is the exemption laws in NY Also this second house is my parents. I never paid a penny towards it only co signed the loan for them because they had bad credit.My name was placed on the deed because at the closing I was on the loan.my dad and mom are also on the deed.does that mean the equity would be silt 3 ways.I had also read somewhere the state of pa is different then NY law.I'm collecting NYS employment for six months live in nyI'm hoping to do chapher 7 My credit card debit is very high 85,000.00.My wife has 24,000.00 plus being out of work this long we are just getting deeper into trouble. I have gone through my saving and the credit card companys are calling. Homestead • None. However, property held as tenancy by the entirety may be exempt against the debts owed by only one spouse. I