I learned playing a trivia game that if you declare bankruptcy, your creditors cannot, under any circumstances, take or sell your wedding ring. I guess the government is a little sentimental?
Also, according to the bankruptcy law network, "in virtually all states, IRA’s, KEOUGH’s, 401(k)’s and other retirement plans are fully exempt." So, you may not have any money now, but you may after you're 65!
Most people get to keep more than they think, actually. This article on Ezine is pretty interesting if you would like to know more about exemptions. Don't get any crazy ideas if you don't want to pay back all of your student loans or credit card bills, though, it still seems like bankruptcy is best used as a "last resort"!