claim of exemption finding that the failure to disclose a $10,000 tax refund “resulted from a cavalier and reckless intention regarding their disclosure obligations”); Henkel v. Green (In re Green), 268 B.R. 628, 648 (Bankr.M.D.Fla.2001) (stating that a debtor’s failure to promptly amend schedules to correct errors and omissions made under oath “can be considered reckless indifference to the truth and is tantamount to fraud”). Debtors who, acting with reckless disregard for the accuracy of the information contained in their schedules, fail to disclose substantial value in their home have been denied the right to amend their exemptions for bad faith. See In re Bauer, 291 B.R. 127, 130-31 (Bankr.D.Minn.2003), aff’d, Bauer v. Iannacone (In re Bauer), 298 B.R. 353, 357 (8th Cir. BAP 2003) (<HOLDING>). Bad faith findings can be based on grounds
holding pursuant to bankruptcy rule 7004b9 that because the creditor mailed the complaint and summons to the debtors attorney and to the address listed in the debtors bankruptcy petition service of process was sufficient even if the debtors were out of the country and did not actually receive notice of the complaint and summons holding that debtors refusal to submit to a deposition based upon assertion of privilege against selfincrimination justified bankruptcy judges decision to strike the debtors affidavit in support of his motion for summary judgment holding that the bankruptcy court did not err in finding bad faith and denying a debtors amended claim of exemption based upon evidence that the debtors undervalued their home in the schedules to reflect no equity holding that a debtors  522d1 exemption was invalid when the debtor exempted proceeds from the prepetition sale of the debtors marital home which were paid to a judgment creditor with an attachment on the debtors interest in the home holding that new yorks notice to judgment debtors satisfied due process by specifying that a procedure existed to adjudicate exemption claims and advising debtors to contact an attorney even though the notice did not inform judgment debtors of the specific steps to be taken to test exemption claims