Hello,
I have been googling and hunting all over the internet and am coming up empty handed.

If anyone knows a web site where I can find out what assets are exempt from collections under Florida law, I’d appreciate knowing where to find that info.

Please note this is not a bankruptcy question. I had a Ch. 7 bankruptcy six years ago and I can’t do another one for at least two more years. In the meantime I have a lot of house-related credit card debt that I can’t handle. I am already in pre-foreclosure and I am thinking of just letting the credit cards go.

I do not want to file a Chapter 13 and have to be accountable to a trustee for every penny that goes in and out of my life for the next five years either….

I realize that if I let the credit cards go, I will probably get sued and have one or more judgments against me. I have five credit cards, total of $17k in debt, and one of the balances alone is $6k.

I did find out that according to Florida law, because I am the head of household, I am exempt from getting my wages garnished.

The only assets I’m worried about protecting are my eight year old Honda, and my bank account. I don’t have any money in the bank account other than paychecks that go in and out.

As I mentioned, I’ve been searching on the internet and can’t find anything. I really need to know if I get sued by a credit card company, and if a judgment is made against me, if they would be able to seize my car and/or my bank account. Thanks for any info anyone can provide, and in the meantime I am going to keep googling and hunting.