New Ohio Limits Tort Litigation related to Contracting COVID-19

Acknowledging the legal uncertainties faced by essential workers and businesses in the wake of reopening during the COVID-19 pandemic, the Ohio legislature passed, and Governor Mike DeWine recently signed House Bill (H.B.) 606, which gives businesses and healthcare providers qualified immunity protections from civil lawsuits during a disaster or emergency for any “injury, death, or loss” related to “the transmission or contraction” of COVID-19. In short, something more egregious than mere negligent conduct is required in order to hold a business owner or emergency responder responsible if someone alleges they contracted a COVID-19 infection as a result of that business’ operation. The bill specifically provides that any federal or state public health order does not create new legal duties for purposes of tort liability. The bill and its corresponding protections will be retroactive to the date of the declared state of emergency in Ohio, March 9, 2020, and will expire on September 30, 2021.

However, H.B. 606 is not a total bar to litigation. While the law significantly limits legal exposure to Ohio businesses and emergency workers, plaintiffs may still bring cases alleging COVID-19 transmissions through intentional, willful, or reckless conduct. The legislation defines “reckless conduct” as conduct involving “heedless indifference to the consequences” and involving “substantial and unjustifiable risk” that it will cause exposure to COVID-19.

To the extent the total immunity does not apply, the legislation also bars individuals from bringing a class action against any person alleging liability for damages for injury, death, or loss to person or property caused by exposure to, or the transmission or contraction of, COVID-19.

Finally H.B. 606’s immunizing effect applies to both public and private would-be defendants, and does not distinguish between businesses as vendors and businesses as employers. As a result, the legislation protects organizations against suit from customers and employees alike, where the transmission does not result from conduct that is at least reckless.

Temporary Qualified Civil Immunity for Health Care Providers

Subject to limited exceptions, the new law also shields health care providers from liability in tort actions arising from the “provision, withholding, or withdrawal” of health care services resulting from the COVID-19 pandemic. H.B 606 does not provide total protection; plaintiffs who can prove a health care provider acted with “reckless disregard for the consequences” of their actions, or engaged in “intentional misconduct or willful or wanton misconduct” could still recover.

The H.B. 606 grants immunity to the following individuals and entities:

• Advanced practice registered nurses, registered nurses, and licensed practical nurses
• Respiratory care professionals
• Pharmacists
• Direct support professionals for individuals with developmental disabilities
• Dentists and dental hygienists
• Behavioral health providers
• Optometrists
• Emergency medical technicians (EMTs-basic, EMTs-I, and paramedics)
• Physicians Home Health Agencies
• Physician Assistants
• Hospice Care Programs
• Chiropractors
• Medicaid Home and Community-Based Services Providers
• Physical Therapists, Occupational Therapists, and Athletic Trainers
• Other health care workers who provide healthcare related services to an individual under the direction of a health care professional with the authority to direct that worker’s activities, including medical technicians, medical assistants, dental assistants, occupational therapy assistants, physical therapist assistants, orderlies, nurse aides, and any other similar individual
• Speech Language-Pathologists and Audiologists
• Facilities that provide health care services, including a variety of facilities the Act specifies
• Laboratory Workers
• Agents, board members, committee members, employees, employers, officers, or volunteers of a home health agency, hospice care program, Medicaid home and community-based services provider, or facility
• Massage Therapists

April 2020 Bankruptcy Allowance Update

The United States Bankruptcy Courts update the allowance amounts for filing bankruptcy approximately every 6 months. Beginning April 1, 2020, the amounts below will be in effect. Those allowances will again be subject to change again in approximately 6 months, so it is important to check back for further updates.

If you are struggling with debt, facing a foreclosure, garnishment, collection, or repossession action, bankruptcy or debt settlement may be an option for you. Please call our office at 419-352-2535 for a free consultation today!

April 2020 Ohio Median Income Allowance

Period	1 person	2 people	3 people	4 people	5 people	6 people	Additional people over 6
Year	$51,297	$64,665	$77,642	$93,239	$102,239	$111,239	$9,000 per additional person
6 Months	$25,649	$32,333	$38,821	$46,620	$51,120	$55,620	$4,500 per additional person
Monthly	$4,275	$5,389	$6,471	$7,770	$8,520	$9,270	$750 per additional person
Semi Monthly	$2,138	$2,695	$3,236	$3,8885	$4,260	$4,635	$375 per additional person
Bi Weekly	$1,973	$2,488	$2,987	$3,587	$3,933	$4,279	$346 per additional person
Weekly	$987	$1,244	$1,494	$1,794	$1,967	$2,140	$173 per additional person

April 2020 National Living Allowance

Type	1 Person	2 People	3 People	4 People
Food	$386	$685	$786	$958
Housekeeping	$40	$72	$76	$76
Apparel	$88	$159	$169	$243
Personal Care	$43	$70	$76	$91
Miscellaneous	$170	$302	$339	$418
Total	$727	$1,288	$1,446	$1,786
For each additional person over four add $420 to the four-person total allowance.

April 2020 National Out of Pocket Health Care Allowance

Out of Pocket Health Care Allowance
Under Age 65	Age 65 & Over
$55	$114

April 2020 Local Housing Allowances

					Allowance
County	FIPS	Type	1 Person	2 People	3 People	4 People	5 or More People
Hancock	39063	Utility	$498	$584	$616	$687	$698
		Mortgage/Rent	$748	$879	$926	$1,032	$1,049
		Total	$1,246	$1,463	$1,542	$1,719	$1,747
Henry	39069	Utility	$505	$593	$625	$697	$708
		Mortgage/Rent	$685	$805	$848	$945	$961
		Total	$1,190	$1398	$1,473	$1,642	$1,669
Sandusky	39143	Utility	$485	$570	$600	$669	$680
		Mortgage/Rent	$659	$774	$816	$910	$924
		Total	$1,144	$1,344	$1,416	$1,579	$1,604
Wood	39173	Utility	$489	$575	$606	$675	$686
		Mortgage/Rent	$905	$1,062	$1,119	$1,248	$1,268
		Total	$1,394	$1,637	$1,725	$1,923	$1,954

April 2020 Transportation Allowance

		Transportation Allowance
County	Region	Type	Public Transportation	1 Car	2 Cars
Ohio Counties Outside of Cleveland Metropolitan Statistical Area	MW	Operating	$217	$191	$382
		Ownership		$508	$1,016
		Total	$217	$699	$1,398

The bankruptcy attorneys at Spitler Huffman law firm have a long history of experience and are dedicated to serving their clients. Call the office today at 419-352-2535 to schedule your free consultation today!

The bankruptcy and debt settlement attorneys at Spitler Huffman LLP have substantial experience representing clients in Chapter 7 and Chapter 13 bankruptcy, as well as experience working with creditors to help settle your debts.  Located in Bowling Green and Rossford, Ohio, we are dedicated to serving clients across Northwest Ohio, including Wood, Henry, Hancock, and Sandusky Counties.  If you live in or around Bowling Green, Findlay, Perrysburg, Napoleon, Port Clinton, Fremont, Rossford, or other communities in Northwest Ohio and need debt relief or bankruptcy assistance, please contact us today!

November 2019 Bankruptcy Allowance Update

Bankruptcy Courts update the allowance amounts for filing bankruptcy approximately every 6 months. Beginning November 1, 2019, the amounts below will be in effect. Those allowances will again be subject to change in May 2020, so it is important to check back for further updates.

November 2019 Ohio Median Income Allownance

Period	1 person	2 people	3 people	4 people	5 people	6 people	Additional people over 6
Year	$50,384	$63,514	$76,260	$91,580	$100,580	$109,580	$9,000 per additional person
6 Months	$25,192	$31,757	$38,130	$45,790	$50,290	$54,790	$4,500 per additional person
Monthly	$4,199	$5,293	$6,355	$7,632	$8,382	$9,132	$750 per additional person
Semi Monthly	$2,099	$2,646	$3,178	$3,816	$4,191	$4,566	$375 per additional person
Bi Weekly	$1,938	$2,443	$2,933	$3,522	$3,868	$4,215	$346 per additional person
Weekly	$969	$1,221	$1,467	$1,761	$1,934	$2,107	$173 per additional person

November 2019 National Living Allowance

Type	1 Person	2 People	3 People	4 People
Food	$386	$685	$786	$958
Housekeeping	$40	$72	$76	$76
Apparel	$88	$159	$169	$243
Personal Care	$43	$70	$76	$91
Miscellaneous	$170	$302	$339	$418
Total	$727	$1,288	$1,446	$1,786
For each additional person over four add $420 to the four-person total allowance.

November 2019 National Out of Pocket Health Care Allowance

Out of Pocket Health Care Allowance
Under Age 65	Age 65 & Over
$55	$114

					Allowance
County	FIPS	Type	1 Person	2 People	3 People	4 People	5 or More People
Hancock	39063	Utility	$498	$584	$616	$687	$698
		Mortgage/Rent	$748	$879	$926	$1,032	$1,049
		Total	$1,246	$1,463	$1,542	$1,719	$1,747
Henry	39069	Utility	$505	$593	$625	$697	$708
		Mortgage/Rent	$685	$805	$848	$945	$961
		Total	$1,190	$1398	$1,473	$1,642	$1,669
Sandusky	39143	Utility	$485	$570	$600	$669	$680
		Mortgage/Rent	$659	$774	$816	$910	$924
		Total	$1,144	$1,344	$1,416	$1,579	$1,604
Wood	39173	Utility	$489	$575	$606	$675	$686
		Mortgage/Rent	$905	$1,062	$1,119	$1,248	$1,268
		Total	$1,394	$1,637	$1,725	$1,923	$1,954

		Transportation Allowance
County	Region	Type	Public Transportation	1 Car	2 Cars
Ohio Counties Outside of Cleveland Metropolitan Statistical Area	MW	Operating	$217	$191	$382
		Ownership		$508	$1,016
		Total	$217	$699	$1,398

If you believe bankruptcy is an option for you, if you need to stop a garnishment, collection, foreclosure, repossession, creditor harassment, or if you are struggling with debt, please give the experienced bankruptcy lawyers at Spitler Huffman law firm a call at 419-352-2535 to schedule a free consultation today.

The bankruptcy and debt settlement attorneys at Spitler Huffman LLP have substantial experience representing clients in Chapter 7 and Chapter 13 bankruptcy, as well as experience working with creditors to help settle your debts.  Located in Bowling Green and Rossford, Ohio, we are dedicated to serving clients across Northwest Ohio, including Wood, Henry, Hancock, and Sandusky Counties.  If you live in or around Bowling Green, Findlay, Perrysburg, Napoleon, Port Clinton, Fremont, Rossford, or other communities in Northwest Ohio and need debt relief or bankruptcy assistance, please contact us today!

MORE PEOPLE ELIGIBLE FOR EXPUNGEMENT IN OHIO, POTENTIALLY MORE CHANGES IN THE LAW TO COME

Having a criminal record can have severe consequences.  It could keep you from getting a job or receiving a promotion, it could be embarrassing to have what is likely the worst mistake you have made as public record.  Whatever the reason, there is the potential to have that criminal record removed expunged from public record as if it never occurred.

In Ohio, what is generally known as expungement is called “sealing of a conviction.”  Recently, Ohio’s legislature passed a bill making more previous offenders eligible to have their convictions sealed. 

In order to have your record sealed, one must be an “eligible offender” under Ohio’s Revised Code Section 2953.31.  There are two categories of eligible offenders, each with different requirements:

Having a criminal record can have severe consequences.  It could keep you from getting a job or receiving a promotion, it could be embarrassing to have what is likely the worst mistake you have made as public record.  Whatever the reason, there is the potential to have that criminal record removed expunged from public record as if it never occurred.

In Ohio, what is generally known as expungement is called “sealing of a conviction.”  Recently, Ohio’s legislature passed a bill making more previous offenders eligible to have their convictions sealed. 

In order to have your record sealed, one must be an “eligible offender” under Ohio’s Revised Code Section 2953.31.  There are two categories of eligible offenders, each with different requirements:

  There are two categories of eligible offenders, each with different requirements:

Group A	Group B
* Not More than 5 Felonies. * All offenses felony 4 or 5, or misdemeanor * No offense of violence * No felony sex offense	* Not eligible under Group A *Not more than 1 felony conviction, two misdemeanor convictions, or 1 felony and one misdemeanor convictions * multiple convictions resulting from the same act could be considered one conviction

O.R.C. § 2953.31

However, there are certain offenses that cannot be expunged.  See O.R.C. § 2953.36.   

An eligible offender is allowed to apply for sealing a conviction:

• Misdemeanors – 1 year after final discharge
• 1 felony – 3 years after final discharge
• 2 felonies – 4 years after final discharge
• 3-5 felonies – 5 years after final discharge

Final discharge occurs after the completion of all requirements of a sentence, including community control, commonly known as probation or parole. 

If you believe you qualify as an eligible offender and have waited the required time after discharge, contact an experienced criminal defense attorney today to start the application process.

This recent legislation allows more felony and misdemeanor convictions to be expunged than ever before.  Even further, 2019 House Bill 1 is currently pending, and its passage would make even more people with criminal records eligible for expungement.  2019 House Bill 1 could also shorten the time needed before being able to apply to seal a conviction.  Each case is fact specific, which is why consulting a competent attorney is important. 

Criminal defense attorney Steven L. Spitler of the Spitler Huffman LLP. law firm has 23 years’ experience in the area of criminal defense including record expungement of felony and misdemeanor offenses.  Located in Bowling Green, Wood County Ohio, Steven L. Spitler is a premier attorney serving clients across Northwest Ohio.  

The outcome of an individual case depends on a variety of factors unique to that case.  Case results do not guarantee or predict similar results in any similar or future case.

Revocable Trusts in estate planning.

What is a Revocable Living Trust or RLT?

A RLT is a trust created by a client (called “Grantor,” “Settlor,” “Trustor,” “Trustmaker,” etc.). The client has full right to amend and revoke the trust or any provision thereunder during the client’s lifetime. A RLT, can provide detailed instruction and authority for a client’s family in the event of his/her disability. A RLT if funded, can also avoid the need for probate and provide for effective distribution of assets at death to heirs outright or in lifetime asset protection trusts. The client retains access to all income and all principal from the trust at any time. All assets in a RLT remain available to the client’s creditors, predators and long-term care costs and are considered “available” for purposes of Medicaid qualification and Veterans Benefits eligibility.

Some of the useful features of the RLT are

• Client retains right to income and principal from the trust.
• Client can be sole or co-trustee.
• Client retains the right to modify or revoke the trust in any manner at any time.
• Pure grantor trust under IRC §§671-678 (income) and IRC §§2036-2042 (estate).
• Client can provide extensive “directions” for use of assets and income in case of disability.
• Client can pass assets to beneficiaries in asset protection trust with personalized instructions.

How RLTs can be used

• Clients who wish to provide extensive instructions and authority in event of disability.
• Clients who want to avoid probate and get their assets to their beneficiaries effectively and timely.
• Clients who want to maintain full control and access to all assets at all times.
• Clients who want to provide asset protection to their heirs after death or to protect against “spend thrift” or loss to disabled beneficiaries care costs.

What are the Benefits of RLTs

• Income and principal available to client and client can terminate at any time.
• Keeps client affairs private (don’t have to share with children or public).
• Retains ownership for full step-up in tax basis to asset values at death.
• Permits assets to be distributed to beneficiaries in asset protection trust.
• Can protect assets from creditors, predators or long-term care costs needed for community spouse after client’s death.

Issues to consider when making a RLT

• Transfers “to” or “from” will be subject to a look back.
• All assets are considered “available” to Medicaid and other creditors.
• Standard vs Personalized Planning options
• Commitment (transaction or relationship)

While this article focuses on the many features of revocable trusts in an estate plan there are numerous considerations that factor in to a clients situation and significant reasons not to utilize. Every client considering trusts in their estate planning should consult competent counsel to evaluate their individual situation.

The estate planning attorneys at Spitler Huffman law firm have substantial experience in creating an estate plan to fit their clients needs.  Located in Bowling Green and Rossford, Ohio we are dedicated to serving clients in Northwest Ohio including Wood, Henry, Hancock, and Sandusky Counties.  If you live in Bowling Green, Findlay, Perrysburg, Napoleon, Port Clinton, Fremont, Rossford, or other areas in Northwest Ohio and need estate planning assistance, contact us today.

WOOD COUNTY, OHIO JURY RETURNS NOT GUILTY VERDICT FOR MAN FALSELY ACCUSED OF AGGRAVATED BURGLARY, AGGRAVATED MENACING, AND DOMESTIC VIOLENCE / ASSAULT

Recently, Criminal Defense Attorney Steven L. Spitler assisted a client falsely accused by an ex-girlfriend and her new boyfriend of:

• Aggravated Burglary (O.R.C. 2911.11(A)(1);
• Aggravated Menacing (O.R.C. 2903(A); and
• Domestic Violence (O.R.C. 2919.25(C)

The client was accused of sneaking into the home of his ex-girlfriend and hiding under her bed with a large knife.  However, he was not there.  The police and SWAT team searched the residence and failed to find the client.  The Wood County Prosecutor’s office still sought charges on the claim that he fled the residence before the authorities arrived. 

Criminal Defense Lawyer Steven L.  Spitler met with and consulted with his client and to prepare the strongest possible defense.  These were very serious charges with a possible sentence of 20-30 years in prison if found guilty.  Attorney Spitler and his legal team thoroughly investigated the matter, interviewed alibi witnesses and provided vigorous representation. 

Even with the testimony of alibi witnesses stating that the client was not at the scene of the alleged crime, the prosecution continued to pursue these serious charges.  Unwilling to accept plea deals that would have resulted in a substantial prison term, the client and Attorney Steven L.  Spitler proceeded to jury trial. 

At the three-day jury trial Attorney Steven L. Spitler zealously represented his client.  Two lines of opposing testimony were present for the jury, the ex-girlfriend and boyfriend saying the client was there and committed the offenses and our client and the two alibi witnesses stating he was not there.  The criminal defense trial experience of Attorney Steven L. Spitler was able to prove to the jury that this whole incident was a fabrication.

At the conclusion of the trial, the jury deliberated for less than 20 minutes before returning a verdict of NOT GUILTY.  These accusations against the client could have resulted in a serious prison sentence, for a crime he did not commit.  By making the wise choice to retain a highly skilled criminal defense lawyer, the client was able to go home to his family and not have to serve prison time for something he did not do.

Criminal defense attorney Steven L. Spitler of the Spitler Huffman LLP. law firm has 23 year’s experience in the area of criminal defense including robbery, burglary, domestic violence/assault, OVI, Drug Trafficking,  Drug Possession and other related felony and misdemeanor offenses.  Located in Bowling Green, Wood County Ohio, Steven L. Spitler is a premier attorney serving clients across Northwest Ohio.  

The outcome of an individual case depends on a variety of factors unique to that case.  Case results do not guarantee or predict similar results in any similar or future case.

Changes in bankruptcy allowances.

Its that time of year again when the Bankruptcy Courts update the bankruptcy allowances. Below are the changes for this year. These changes are effective as of May 1, 2019.

New Ohio Median Income Allowances

Period	1 person	2 people	3 people	4 people	5 people	6 people	7 People	8 people	Additional people over 8
Year	$49,624.00	$62,308.00	$74,969.00	$89,454.00	$98,454.00	$107,454.00	$116,454.00	$125,454.00	$9,000.00 per additional person
6 Months	$24,812.00	$31,154.00	$37,485.00	$44,727.00	$49,227.00	$53,727.00	$58,227.00	$62,727.00	$4,500.00 per additional person
Monthly	$4,135.00	$5,192.00	$6,247.00	$7,455.00	$8,205.00	$9,705.00	$9,705.00	$10,455.00	$750.00 per additional person
Semi Montly	$2,068.00	$2,596.00	$3,124.00	$3,727.00	$4,102.00	$4,477.00	$4,852.00	$5,227.00	$375.00 per additional person
Bi Weekly	$1,909.00	$2,396.00	$2,883.00	$3,441.00	$3,787.00	$4,133.00	$4,479.00	$4,825.00	$346.00 per additional person
Weekly	$954.00	$1,198.00	$1,442.00	$1,720.00	$1,893.00	$2,066.00	$2,240.00	$2,413.00	$173.00 per additional person

New National Living Allowances

Type	1 Person	2 People	3 People	4 People	5 People	6 People	7 People	8 People	Additional Person
Food	$386.00	$685.00	$786.00	$958.00	$1,182.00	$1,407.00	$1,632.00	$1,857.00	$282.00 per additional person
Housekeeping	$40.00	$72.00	$76.00	$76.00	$93.00	$111.00	$129.00	$147.00	$0.00 per additional person
Apparel	$88.00	$159.00	$169.00	$243.00	$301.00	$358.00	$358.00	$415.00	$0.00 per additional person
Personal Care	$43.00	$70.00	$76.00	$91.00	$112.00	$133.00	$155.00	$176.00	$0.00 per additional person
Miscellaneous	$170.00	$302.00	$339.00	$418.00	$518.00	$617.00	$715.00	$814.00	$138.00 per additional person
Total	$727.00	$1,288.00	$1,446.00	$1,786.00	$2,206.00	$2,626.00	$3,046.00	$3,466.00	$420.00 per additional person

New National Health Allowances

Allowance
Under Age 65	Age 65 & Over
$55.00	$114.00

New Local Housing Allowances

					Allowance
County	FIPS	Type	1 Person	2 People	3 People	4 People	5 People
Hancock	39063	Utility	$498.00	$584.00	$616.00	$687.00	$698.00
		Mortgage	$748.00	$879.00	$926.00	$1,032.00	$1,049.00
		Total	$1,246.00	$1,463.00	$1,542.00	$1,719.00	$1,747.00
Henry	39069	Utility	$505.00	$593.00	$625.00	$697.00	$708.00
		Mortgage	$685.00	$805.00	$848.00	$945.00	$961.00
		Total	$1,190.00	$1398.00	$1,473.00	$1,642.00	$1,669.00
Sandusky	39143	Utility	$485.00	$570.00	$600.00	$669.00	$680.00
		Mortgage	$659.00	$774.00	$816.00	$910.00	$924.00
		Total	$1,144.00	$1,344.00	$1,416.00	$1,579.00	$1,604.00
Wood	39173	Utility	$489.00	$575.00	$606.00	$675.00	$686.00
		Mortgage	$905.00	$1,062.00	$1,119.00	$1,248.00	$1,268.00
		Total	$1,394.00	$1,637.00	$1,725.00	$1,923.00	$1,954.00

and finally the

New National Ownership and Local Operating Transportation Allowances.

			Allowance
County	Region	Type	No Car	1 Car	2 Car
Other OH Counties	MW	Operating	$217.00	$191.00	$382.00
		Ownership		$508.00	$1,016.00
		Total	$217.00	$699.00	$1,398.00

If you think bankruptcy may be in your best interest, and need to stop a garnishment, creditor harassment, collection phone calls, foreclosure, repossession, or just need to get ahead of your debt please give us a call today at 419-352-2535 to set up a free consultation.

The bankruptcy attorneys at Spitler Huffman law firm have substantial experience representing clients in Chapter 7 and Chapter 13 bankruptcy .  Located in Bowling Green and Rossford, Ohio we are dedicated to serving clients in Northwest Ohio including Wood, Henry, Hancock, and Sandusky Counties.  If you live in Bowling Green, Findlay, Perrysburg, Napoleon, Port Clinton, Fremont, Rossford, or other areas in Northwest Ohio and need bankruptcy assistance, contact us today.

Chapter 7 Bankruptcy Changes in Exemptions

The bankruptcy attorneys at Spitler Huffman law firm have substantial experience representing clients in bankruptcy.  Located in Bowling Green and Rossford, Ohio we are dedicated to serving clients in Northwest Ohio including Wood, Henry, Hancock, and Sandusky Counties.  If you live in Bowling Green, Findlay, Perrysburg, Napoleon, Port Clinton, Fremont, Rossford, or other areas in Northwest Ohio and need bankruptcy assistance, contact us today.

Starting on April 1, 2019 there were new exemption limits for filing Chapter 7 Bankruptcy.

The new federal chapter 7 bankruptcy exemptions are as follows:

Exemption §552(d)	Current Exemption Amount	New Exemption Amount
Household	$600.00 Per Item $12,625.00 Total	$625.00 Per Item $13,400.00 Total
Homestead	$23,675.00	$25,150.00
Personal Injury	$23,675.00	$25,150.00
Life Insurance	$12,625.00	$13,400.00
Motor Vehicle	$3,775.00	$4,000.00
Trade	$2,375.00	$2,525.00
Jewelry	$1,600.00	$1,700.00
Wild Card	$1,250.00 $11,850.00 Homestead Carryover	$1,325.00 $12,575.00 Homestead Carryover

The new Ohio chapter 7 bankruptcy exemptions are as follows:

Exemption (2329.66)	Current Exemption Amount	New Exemption Amount
Cash	$475.00	$500.00
Homestead	$136,925.00	$145,425.00
Household	$600.00 Per Item $12,625.00 Total	$625.00 Per Item $13,400.00 Total
Jewelry	$1,600.00	$1,700.00
Motor Vehicle	$3,775.00	$4,000.00
Personal Injury Awards	$23,700.00	$25,175.00
Professional Books & Tools of the Trade	$2,400.00	$2,550.00
Wildcard	$1,250.00	$1,325.00

If you think bankruptcy may be in your best interest, please give us a call today to set up a free consultation.