
Bankruptcy in Ohio (2026): Exemptions & Means Test
Ohio bankruptcy guide: the state opted out of federal exemptions, indexes its homestead exemption to $182,625, exempts a vehicle and household goods, and uses
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Ohio bankruptcy guide: the state opted out of federal exemptions, indexes its homestead exemption to $182,625, exempts a vehicle and household goods, and uses

North Dakota bankruptcy guide: the state opted out of federal exemptions, protects up to $150,000 of home equity, exempts a vehicle and personal property, and

North Carolina bankruptcy guide: the state opted out of federal exemptions, the homestead is $35,000, plus the April 2026 means-test median income.

New York bankruptcy guide: filers may choose federal or state exemptions, the homestead is tiered by county up to $204,825, plus the 2026 means test.

New Mexico bankruptcy guide: filers may choose federal or state exemptions, the homestead is $150,000, plus the April 2026 means-test median income.

New Jersey bankruptcy: choose state or federal exemptions, no state homestead so filers use the federal $31,575 homestead, the 2026 means test, and filing.

New Hampshire bankruptcy: choose state or federal exemptions, a homestead raised to $400,000 (RSA 480:1, eff. Jan. 1, 2026), the 2026 means test, and filing.

Nevada bankruptcy: the state opted out of federal exemptions, a $605,000 homestead (NRS 115.010), a $15,000 vehicle, the 2026 means test, and where to file.

Nebraska bankruptcy guide: the state opted out of federal exemptions, a $120,000 homestead under Neb. Rev. Stat. 40-101, plus the April 2026 means test.

Montana bankruptcy guide: the state opted out of federal exemptions, a $425,827 (2026) indexed homestead under MCA 70-32-104, plus the April 2026 means test.

Missouri bankruptcy guide: the state opted out of federal exemptions, a fixed $15,000 homestead under RSMo 513.475, plus the April 2026 means-test income.

Mississippi bankruptcy guide: the state opted out of federal exemptions, a fixed $75,000 homestead under Miss. Code 85-3-21, plus 2026 means-test income.