I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Quite simply, when you file bankruptcy in some states, you have a choice as to whether you want to choose to accept the state bankruptcy exemptions, of the federal exemptions.
If you choose state law exemptions, select 522(b)(3); and if you want the federal exemptions, select 522(b)(2).
Here is a link to the NY state exemptions that you will have chosen when you sign the form:
Here is a link to the federal exemptions:
You will note that the state exemptions typically are more generous---and allow you to keep more of your property, than do the federal exemptions---particularly when you have a lot of equity in your primary residence.
You may reply back to me again, using the Reply to Expert link, if you have additional questions.
I wish you the best in your future,