Phyllis Law - June 2020

SUDOKU BREAK Solution on Page 4


3. $500 worth of jewelry — This is pawn shop value, not replacement.

“What can I keep if I file for bankruptcy protection?”

4. $5,000 worth of household goods — Again, this is not replacement value, but what you think you would get in a garage sale for the items.

This is the first question I usually get when I give a bankruptcy consult. Here is the answer:

1. $5,000 worth of equity in the debtor’s vehicle — Check KBB.

5. A $1,200 wildcard exemption that can be used to protect any asset

com for your car’s value. If it is worth $10,000 but you still owe $5,000 on the note, you get to keep your car. Many times, people owe more than their car is worth. If so, they are able to keep the car or can surrender the car to the lien holder without having to pay repossession fees or remaining balances. 2. $21,500 of equity in the debtor’s home — Married couples can double that if they file a joint petition for bankruptcy protection and are both on the deed. Any unused portion of this homestead exemption, up to $10,000, can be used to exempt any other assets. If you are trying to determine the value of your home, you can ask a real estate agent or hire a residential real estate appraiser for a more exact value.

6. IRA and 401k accounts

Paleo Sausage Frittata

This list is not exhaustive, but it covers the things that people are the most concerned about. It is very important to assess the value of assets before making any decisions regarding a bankruptcy. Debtors with assets that cannot be protected by exemptions may chose to file a Chapter 13 instead so that they can retain their assets. Another option for such debtors is to engage an attorney to negotiate debt settlement directly with creditors. In the wake of COVID-19, we are offering free consultations to all those who are struggling with debt issues. Everyone deserves a second chance, especially those affected by COVID-19 through no fault of their own.

Inspired by

Bacon may be a paleo favorite for breakfast, but this hearty sausage meal can be enjoyed any time of day and is the perfect way to mix things up!


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3 tbsp coconut oil

1 lb mild Italian sausage

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1 medium sweet potato, peeled and grated

4 green onions, diced

10 eggs, whisked

house under construction on Feb. 23 without taking anything. At best, he may have been guilty of loitering, only a misdemeanor in Georgia.

Black pepper, to taste


The defense strategywill be that the McMichaels’ actions were justified because they were acting in self-defense. A person is justified in threatening or using force against another when and to the extent that he or she reasonably believes that such threat or force is necessary to defend himself or herself or a third person against such other's imminent use of unlawful force. So, the strategywould require the defense to prove that because Arbery grabbed for the gun during what they are calling a lawful citizen’s arrest, theywere justified in shooting him to protect themselves or others. However, this strategy may not be effective because the law further provides that a person is not justified in using force if he was the aggressor. Clearly, the McMichaels were the aggressors.

1. In a large ovenproof skillet, heat coconut oil over medium heat. 2. Crumble sausage into the skillet and cook until browned. 3. Add sweet potato and cook until tender. 4. Add green onion and sauté for 2–3 minutes. 5. Spread this mixture evenly throughout the skillet. Pour eggs over mixture and sprinkle black pepper over top. 6. Cook without stirring for 3 minutes or until bubbly. 7. Transfer skillet to oven and cook under broiler on low until frittata is cooked through.

This case will continue to garner national attention until its conclusion. All eyes are on Cobb County now. May justice prevail. –Phyllis Gingrey Collins

3 | 404.514.3397

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