There is the cliche -- "You can't get blood out of a turnip." Yet as with most cliches, there is some truth. Before you file bankruptcy, you need to ask yourself -- Am I a Turnip? Here is the test: 1. Do I have any non-exempt assets? 2. Do I have anything that can be garnished -- wages or savings? 3. Do you have any secured loans that could be repossessed? If you answered "No" to these questions, then you are a Super Turnip and probably don't need to file. Your creditors