Chapter 13, what can I not make exempt?

Which assets are protected (exempt) in a chapter 7 bankruptcy case depends first on which state or federal law applies in your case, which is determined by where you resided for the 2 years prior to filing your bankruptcy case or, if you lived in more than 1 state during that period, in the state where you resided for the greater part of the 180 days prior to that 2 year period.  The next step is to determine what assets you have, and what their realizable values are and then see if there are sufficient exemptions to protect them under applicable law. You need to have a consultation with a qualified bankrupty lawyer in your area for more specifics. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.