Not listing clothing, etc., as exemptions?

[MSbklawyer]

The trustee is really just interested in high-equity vehicles, RVs, boats, rental property, timeshares, and savings accounts. If not, most people would still be better off giving up an appliance or two than to owe tens of thousands of dollars, right?

Well said. I would pause to add the phrase "with equity in them" after the word "accounts". The trustee is interested in things that he can sell and have money left over after expenses of sale and after paying off liens, to distribute to creditors. You could own 20 acres of prime real estate in Manhattan, but if you owe on it more than the trustee could potentially sell it for, he's not going to be interested in taking it.

Personal items like furniture, appliances, clothes and such are almost never worthwhile to the trustee unless they're VERY high end stuff.