Personal Bankruptcy 11 or 7

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If we sell stuff with DMV titles should what debts should we pay off prior to filing? (ie: car note or other secured note)

If we file Ch.11 prior to 12/30/09 then convert to Ch7 4/2010 (when i turn 65) will the exemptions the amounts of 12/09 or 4/10? Is there anything to gain by doing it this way?

Are they going to take our real estate? It is acrage with a modest home and has some equity. Will homestead protect it?
 
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