Opt-In, Opt-Out Federal Exemptions

There are some states that do not allow petitioners to claim federal exemptions. They have chosen to “opt-out” of the federal exemption system.

Does you state allow state and/or federal bankruptcy exemptions? Find out below.

State Opt-Out Table
State Exemptions Allowed
Alabama State Only
Alaska State Only
Arizona State Only
Arkansas Federal or State
California State Only
Colorado State Only
Connecticut Federal or State
Delaware State Only
District of Columbia
Federal or State
Florida State Only
Georgia State Only
Hawaii Federal or State
Idaho State Only
Illinois State Only
Indiana State Only
Iowa State Only
Kansas State Only
Kentucky Federal or State
Louisiana State Only
Maine State Only
Maryland State Only
Massachusetts Federal or State
Michigan Federal or State
Minnesota Federal or State
Mississippi State Only
Missouri State Only
Montana State Only
Nebraska State Only
Nevada State Only
New Hampshire Federal or State
New Jersey Federal or State
New Mexico Federal or State
New York State Only
North Carolina State Only
North Dakota State Only
Ohio State Only
Oklahoma State Only
Oregon State Only
Pennsylvania Federal or State
Rhode Island Federal or State
South Carolina State Only
South Dakota State Only
Tennessee State Only
Texas Federal or State
Utah State Only
Vermont Federal or State
Virginia State Only
Washington Federal or State
West Virginia State Only
Wisconsin Federal or State
Wyoming State Only

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