I plan to file for Chapter 7. My mortgage payments are up to date, but there is no equity in the home. My car, I believe, is only worth $2500, and I think most of that amount is exempt. Other than household goods, which probably are less than $4000, my only other asset is a stock account, valued at about $4900, but that account is restricted. That is, when shares are purchased, you must wait two years before they can be sold. I tried to withdraw funds from there several months ago to pay some of the credit cards, and the holding bank wouldn't allow it. The stock plan is through my job with payroll deduction and they have all kinds of rules and regs. Anyway, if I filed for Chapter 7, what happens to that $4900? Does the trustee get control of it? Unsecured creditor debt is just over 32K.