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  Home > Issues & Information > Bankruptcy > Exemptions
 
  State & Federal Bankruptcy Exemptions
 

Each state has laws regarding what property can be kept in a bankruptcy – these are called exemptions. Some states allow you to use either the Federal exemptions OR the state exemptions. Those states are marked (*) below.

Federal Bankruptcy Exemptions

Alabama
Alaska*
Arizona
Arkansas*
California
Colorado
Connecticut*
Delaware
Dist. of Columbia*
Florida
Georgia
Hawaii*
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts*
Michigan‡
Minnesota*
Mississippi

Missouri
Montana
Nebraska
Nevada
New Hampshire*
New Jersey*
New Mexico*
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania*
Puerto Rico
Rhode Island*
South Carolina
South Dakota
Tennessee
Texas*
Utah
Vermont*
Virginia
Washington*
West Virginia
Wisconsin*
Wyoming

* States that allow use of Federal bankruptcy exemptions.
State bankruptcy exemptions have been held to be unconstitutional; use federal exemptions.

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