Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Personal Bankruptcy Stories in New Jersey? - My husband and I are having trouble keeping up with our bills and are considering filing for bankruptcy due to a bunch of setbacks that have combined to push us back. My question is...does anyone here have a personal story of filing bankruptcy in NJ? I am mostly worried about having to sell possessions. I know certain things are exempt and I've been looking up the various laws but I'm not the best at interpreting said laws and am a little confused. Basically, I don't want to file and find out that my engagement ring is going to be taken away. Not that we have much that is worth a lot but we do have a less than 1 year old 47 tv that was a wedding gift -