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Rhode Island bankruptcy guide: choose state or federal exemptions, a $500,000 homestead under R.I. Gen. Laws 9-26-4.1, a $12,000 vehicle exemption, plus 2026
Pennsylvania bankruptcy guide: choose state or federal exemptions. PA has no state homestead, so home equity is protected by the federal $31,575 homestead.
Oregon bankruptcy guide: choose state or federal exemptions, a homestead up to $150,000 under ORS 18.395, a $10,000 vehicle exemption, plus 2026 means-test
Oklahoma bankruptcy guide: the state opted out of federal exemptions, offers an unlimited-value homestead (acreage-limited), a $7,500 vehicle exemption, and
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.