value. So if you bought a couch last year for $800, you might only be able to sell it at a garage sale for $80, and that's how you record the value. Property you do not own cannot be taken from you, so some of the property I rely on outside the exemption limits is borrowed from friends and relatives. I could also rent or lease other equipment, though I might be asked for a higher deposit. In practical terms I can own individual items, such as a boombox, television set, laptop computer, etc, and as long as the used value is below a certain threshold it is not likely going to be worth seizing and selling at auction. Now, I do believe in personal responsibility, and I do not live a lavish life, nor do I have an elaborate bunker complex like the Walton family has. My family's lifestyle is probably much more frugal than my peers earning under median income, but I cannot benefit from the chapter 7 bankruptcy available to them. You can call me "judgment proof", but I'm not cheating my creditors any more than others who declare bankruptcy. If I come into a windfall of cash I will pay every last dollar I ever owed anybody. But I'm also aware that the price of medical care and other services charged to special needs households is practically extortion because they know that you can't look in your needy child's eyes and tell them "no, you will