a buddy of mine with filed bk just before the deadline. all his papre work was final on a thursday and went out on friday and bought a brand new, 23,000$ jeep with no money down and has a 7.9% intrest rate. he filied on a condo, 80,000$ in credit card debit, 2 car loans, one just over 31000. only thing he kept was a house he had just bought. he was "leaseing" the condo when he purchased his home. house loan was for 180K.