Capital One sued me for unsecured credit card debt of about $4000.
I am worried they will take my car after getting a judgement.
After some searching, I found this but don't quite understand it... http://www.courts.ca.gov/documents/exemptions.pdf
Does it mean I have to file ch 7 bankruptcy to get protection or don't have to and still get protection?
My car is worth only about $2000 according to KBB trade-in but $3000 according to Private sale. So which do they go by?