A state that does not allow it's residents to choose the federal bankrutpcy exemptions as an alternative to the exemptions available under state law.
Filers who have lived in an opt-out state for at least 2 years when filing their case cannot use the federal bankruptcy exemptions.
Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families resolve their debt and fix their credit using free software tools. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.
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.
