Who decides what I can keep and what I will lose if I go bankrupt?

Who decides what I can keep and what I will lose if I go bankrupt?

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  1. The bankruptcy law decides what items you can keep and what you have to surrender or bargain with the trustee to keep. In New York, you can choose the NYS exemptions or the Federal exemptions. Your bankruptcy attorney will advise which are the best exemptions for your situation.

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