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I have two questions: 1. I'm a musician, and my instruments are worth well over $6,000. Will I be able to keep them if I go bankrupt? 2. I need a car in good condition to get to my various engagements. Could a relative co-sign a car loan for me in a few years? The same question applies to a credit card.

The tools required for the job are not subject to the $6,000 limit. Any creditworthy person who agrees to help you obtain a loan after your release.

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