This is a joint bankruptcy?
Can you use what "to get the car exemptions"?
If you are talking about the means test, you should anticipate that your qualification for Chapter 7 bankruptcy will be based upon your income before deductions for a flex savings account. If you are talking about what might be reached by creditors, the situation in New York appears to favor creditors - although if the trustee favors including the account balance as an asset you may be able to protect some of the balance with the wildcard exemption.

