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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.
Minnesota bankruptcy guide: choose state or federal exemptions, a high $510,000 homestead under Minn. Stat. 510.02, plus 2026 means-test income.
Michigan bankruptcy guide: choose state or federal exemptions, an inflation-adjusted homestead up to $51,150 under MCL 600.5451, plus 2026 means-test income.
Massachusetts bankruptcy guide: filers choose federal or state exemptions, a declared homestead up to $1,000,000 under M.G.L. c. 188, the automatic $125,000
Maryland bankruptcy guide: the state opted out of federal exemptions, a homestead up to $31,575 under Cts. & Jud. Proc. 11-504, a $6,000 wildcard, plus 2026
Maine bankruptcy guide: the state opted out of federal exemptions, a homestead up to $94,300 under 14 M.R.S. 4422, vehicle and wildcard limits, plus 2026