Most consumers are allowed to claim their home and car, furniture, personal belongings, retirement, and pets as exempt from seizure by creditors. You can meet face to face with me for to determine whether property is exempt. In Chapter 13, you pay for what you keep. If you have $6,000 in non-exempt property, you are allowed to keep the property by paying the Chapter 13 Trustee $100 a month for 60 months.