Separate households. When the married few is jointly but life in several households, the spouse's income should be incorporated, but the expenses of both households could also included in the bankruptcy. This rule accounts for spouses who operate in several metropolitan areas or states

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However, not all assets underneath Chapter 7 are liquidated — sure assets are exempt from sale proceedings and will stay with the debtor. In West Virginia, the homestead exemption is automatic – you don't have to file a homestead declaration with the recorder's office