3687 Upsolvers have discharged their debt

Which states allow me to use the federal bankruptcy exemptions?

Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. We also provide free education, customer support, and a private community. Over 2 million web visitors since 2018. We never ask for a credit card. Funded by generous donors like Harvard University and featured 4x in Forbes. Explore Tool Now


In a Nutshell

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

Written by the Upsolve Team.  Reviewed by Attorney Andrea Wimmer
Updated July 22, 2020


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.



Written By:

The Upsolve Team

Upsolve is fortunate to have a remarkable team of bankruptcy attorneys, as well as finance and consumer rights professionals, as contributing writers to help us keep our content up to date, informative, and helpful to everyone.

Attorney Andrea Wimmer

TwitterLinkedIn

Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 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 ha... read more about Attorney Andrea Wimmer

It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:

Free Web App

Take our bankruptcy screener to see if you're a fit for Upsolve's free web app!

Take Screener
5077 families have filed with Upsolve! ☆
OR

Private Attorney

Get a free bankruptcy evaluation from an independent law firm.

Find Attorney
3371 people found attorneys this month

Questions about bankruptcy?

Research and understand your options with our articles and guides.

Go to Learning Center →

Already an Upsolve user?

Read Support Articles →

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.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

Close

Considering Bankruptcy?

Try our 100% free tool that thousands of low-income families across the country have used to file bankruptcy themselves. We are funded by Harvard University, will never ask you for a credit card, and you can stop at any time.

File Bankruptcy for Free