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Bankruptcy is a system of federal law, so the procedures and rules governing bankruptcy are nearly identical in every state. However, state law does play a role in some areas. For example, states set their own property exemption laws, which help determine what you keep and give up in Chapter 7 bankruptcy.
Where you live also determines, in part, whether you qualify for Chapter 7 bankruptcy since the first step of the means test involves comparing your income to your state's median income.
Having access to state resources also helps when you file for bankruptcy. You'll need to know where the courthouse is, what counseling agencies are approved for prebankruptcy credit counseling, and where you can find local bankruptcy forms.
Click on your state link below to find:
- filing information for your state
- your state's exemptions, and
- state-specific bankruptcy articles.