Which states allow me to use the federal bankruptcy exemptions?

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Written by the Upsolve Team.  Reviewed by Andrea Wimmer, Esq.
Updated January 27, 2020

Summary

Find out which states allow filers to choose between their state's exemptions and the federal bankruptcy exemptions.

The following states allow filers to use the federal bankruptcy exemptions instead of their state exemptions. If you haven't lived in your current state for more than 2 years before filing, remember to make sure you know which exemptions you're eligible for.

  • Alaska

  • Arkansas

  • Connecticut

  • District of Columbia

  • Hawaii

  • Kentucky

  • Massachusetts

  • Michigan

  • Minnesota

  • New Hampshire

  • New Jersey

  • New Mexico

  • New York

  • Oregon

  • Pennsylvania

  • Rhode Island

  • Texas

  • Vermont

  • Washington

  • Wisconsin

All other states require you to use their state-specific exemptions.

About the authors

The Upsolve Team
Upsolve is lucky to have an incredible team of contributing writers all over the country to help us keep our content up to date, informative, and helpful for everyone who visits upsolve.org!

Andrea Wimmer, Esq.

Andrea practiced exclusively as debtors’ counsel in consumer chapter 7 and 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team full time in August 2019. While in private practice, Andrea handled all ban... read more

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