Whether or not you can “keep” your IRA after a Chapter 7 Bankruptcy filing depends upon which state you live in and whether or not your state offers an exemption for IRA accounts.
The good news is that the vast majority of states — including those states that utilize the federal bankruptcy exemptions — offer a significant exemption for IRA accounts, meaning that if your state provides for such exemption, you would be able to “keep” your IRA account.
Standard Legal’s personal Bankruptcy software for Chapter 7 and 13 list all of the exemptions available to filers from every USA state.