http://www.bankruptcyaction.com/okexemptions.htm

That says what they can't take. Car has to be under $3,000 in value. Wanna trade cars, Tim wink

How do those AmeriDebt type places work? Do they consolidate your payments can stuff? Have you tried those types of places to see what they can do for ya? Tried calling the credit card companies to see if they can work you out some sort of deal? Exhausted all possible options?