The bankruptcy code provides a set of exemptions for use in a bankruptcy case. Only, the states got a choice about whether their citizens could use the bankruptcy exemptions, which some legislators thought were too generous.
The following states allow the use of the federal bankruptcy exemptions found in 11 U.S.C. 522.
- Arkansas
- Connecticut
- District of Columbia
- Hawaii
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New Mexico
- New York
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- Wisconsin
For states not listed here, you need to consult state law to know what property can be exempted in bankruptcy.
Exemption choices
Non exempt property
Avoiding liens
