Opt-Out State

Definition

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.


Learn more about "Opt-Out State"


Filers who have lived in an opt-out state for at least 2 years when filing their case cannot use the federal bankruptcy exemptions.

Opt-Out States
Alabama
Arizona
California
Colorado
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Louisiana
Maine
Maryland
Mississippi
Missouri
Montana
Nebraska
Nevada
North Carolina
North Dakota
Ohio
Oklahoma
South Carolina
South Dakota
Tennessee
Utah
Virginia
West Virginia
Wyoming

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.

Get Your Fresh Start