Federal and State Bankruptcy 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
|
State Only
|
|
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
|
Back to Pennsylvania Bankruptcy Exemptions