Which states allow me to use the federal bankruptcy exemptions?

3,339 families filed bankruptcy using Upsolve.

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

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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.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

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