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To: Bonnie Bear who wrote (84358)	2/3/2000 8:36:00 PM
From: Scott Moore	Read Replies (2) of 86076

Sure a homestead will protect a portion of your equity and make an institution think twice about foreclosing on a house with little equity. But, bankruptcy can only be used to restart the 3 month and 3 week foreclosure clock. I've never heard that they can keep the houses and I've had a real estate salesperson's license since '85. In any case, since we are in a retirement community, when selling slows down in LA or Fresno that is when we see a real estate slowdown here. And from my R.E. buddies they say that hasn't started yet. I wish I could retire. But then I look at my 38 year old neighbor who just sold half of his software game company for $6 million and he is working harder than ever. So, I guess it's all relative to your goals. Regards Scott

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