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Bankruptcy Exemption Guides by State

Every state has its own set of bankruptcy exemptions — the property you're allowed to keep when you file. Select your state below for a complete breakdown of homestead, vehicle, retirement, wage, and wildcard exemptions.

54 guides availableUpdated for 2026

Bankruptcy exemptions determine what property is protected from creditors when you file for Chapter 7 or Chapter 13 bankruptcy. Federal exemptions are available in some states; others require you to use state-specific exemptions. The guides below cover both options where applicable, along with current dollar amounts, stacking rules, and strategies to maximize your protected assets.

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Not Sure Which Exemptions Apply to You?

A local bankruptcy attorney can help you choose the best exemption strategy for your situation — whether federal or state exemptions will protect more of your assets.