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personal asset protection - how to protect asset against a deficiency judgement?
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you should talk to a bankruptcy attorney local to you.  while bankruptcy laws are federal, there are a variety of local rules.  as an example in ca, i've heard of a trustee going after a debtor's ira account.  retirement accounts are generally off limits, but not always. additionally, structuring your assets for the purpose of shielding them from creditors after the start of foreclosure proceedings may constitute fraud.  at the very least that may open those assets back up to your creditor(s).
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