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" ... Which is all to say that it is very dangerous for planners to advise debtors at all unless they have substantial experience in creditor-debtor law, and not just picked up a few pointers at some asset protection seminar somewhere. Debtor planning is not a game: It is serious stuff with very serious potentially life-changing ramifications for the debtors. Unless you really know what you are doing, and can really predict the course of things to come ⸺ and not just some polyanish "you'll get a better settlement" ⸺ then it is probably better to just take a pass at advising debtors at all. ... "