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How Chapter 7 and Chapter 13 bankruptcy work, plus a state-by-state guide to exemptions, opt-out status, and the means-test median income across all 50 states
How bankruptcy works in Hawaii: filers may choose state or federal exemptions, the homestead and vehicle amounts under HRS chapter 651, the means-test median
How bankruptcy works in Georgia: the state's opt-out exemptions under O.C.G.A. 44-13-100, the homestead and wildcard amounts, the means-test median income, and
Florida bankruptcy: opted out of federal exemptions, the unlimited homestead with acreage limits and the 522(p) cap, plus current means-test figures.
DC bankruptcy guide: choose state or federal exemptions, an unlimited homestead under D.C. Code 15-501(a)(14), the 522(p) cap, plus 2026 means-test income.
Delaware bankruptcy: the state opted out of federal exemptions, a $200,000 homestead (10 Del. C. 4914), the means-test median income, and where to file.
Connecticut bankruptcy: filers may choose state or federal exemptions, a $250,000 homestead (Conn. Gen. Stat. 52-352b), the means test, and where to file.
Colorado bankruptcy guide: the state opted out of federal exemptions, the homestead is $250,000 (or $350,000 elderly/disabled), plus the 2026 means-test median
California bankruptcy guide: the state opted out of federal exemptions but offers two systems (CCP 704 vs 703.140), a high inflation-indexed homestead, plus
Arkansas bankruptcy guide: filers may choose federal or state exemptions, the constitutional homestead is acreage-limited but value-unlimited, plus the 2026
Arizona bankruptcy guide: the state opts out of federal exemptions, a $400,000 homestead, the 2026 means-test median income, and the District of Arizona court.
Alaska bankruptcy guide: filers may choose state or federal exemptions, a $72,900 homestead, the 2026 means-test median income, and the District of Alaska