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New York
Bankruptcy Law

Largest New York Cities

  1. New York - 8,175,133
  2. Brooklyn - 2,504,700
  3. Manhattan - 1,585,873
  4. Bronx - 1,385,108
  5. Hempstead - 759,757
  6. Brookhaven - 486,040
  7. Staten Island - 468,730
  8. Oyster Bay - 293,214
  9. Buffalo - 261,310
  10. Jamaica - 216,866
  11. Babylon - 213,603
  12. Rochester - 210,565
  13. Huntington - 203,264
  14. Yonkers - 195,976
  15. Flushing - 176,026
  16. Syracuse - 145,170

Filing Bankruptcy In New York


Since 2006, more than 10 million consumers have come to this website figure out where they stand in relation to the 2005 (BAPCPA) bankruptcy law, and the  bankruptcy means test. 

Seventeen years later, the Means Test Calculator is still free, and we've updated it to use the latest applicable income and expense standards, for cases filed on or after May 15, 2023.

Local Forms & Instructions

Court Info for New York

How Bankruptcy Handles Property

New York Bankruptcy Exemptions

How Bankruptcy Handles Debt

Debts You CAN Discharge

  • Credit Card Debt,
  • Medical Debt
  • Lawsuit Liability (if not from fraud or willful or malicious injury), 
  • Personal Loans

Debts You Can Discharge Only In Special Cases

Debts You CAN NOT Discharge

What Happens To Secured Debts?

How Bankruptcy Affects Debt Co-Signers

    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy

Bankruptcy Lawyers Near Me

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. Consult with a bankruptcy lawyer for advice about how the law relates to your exact situation.


Bankruptcy Means Test Calculator for Every New York County

Automatically apply the New York median income standards and county expense standards your means test calculation.

Bankruptcy Courts for Every New York County

Bankruptcy Courts Serving New York

New York Bankruptcy Exemption Laws

Automatically apply the New York median income standards and county expense standards your means test calculation.


Free Bankruptcy Case Evaluation For New York

Do you have questions about filing bankruptcy in New York? Use the form below to connect with a lawyer through the Nolo / Martindale network of bankruptcy lawyers For New York.
SPONSORED FORM - Nolo/Martindale Attorney Network

Means Test Calculator for Your County, For Cases Filed on or after April 1, 2023

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version:

...to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.



New York Bankruptcy Exemptions - All Categories

New York Exemptions Summary:


Real property including co-op, condo, or mobile home, to $179,975 for the counties of Kings, New York, Queens, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, and Putnam; $149,975 for the counties of Dutchess, Albany, Columbia, Orange, Saratoga, and Ulster; $89,975 for the remaining counties in the state. (husband & wife may double)

Vehicle Exemption

Motor vehicle to $4,825. $11,975 if vehicle equipped for a disabled person (husband & wife may double)

Personal Property

Clothing, furniture, refrigerator, TV, radio, computer and cell phone, crockery, cooking utensils & tableware, dishes necessary for family;
Stoves and home heating equipment with fuel to last 120 days;
Wedding ring, jewelry and art to $1,175;
Religious texts, schoolbooks, other books to $600;
Church pew or seat;
Domestic animal with food to last 120 days, to $1,175;
(NY CPLR § 5205)

In bankruptcy, these personal property exemptions claimed under NY CPLR § 5205 may not exceed $11,975 total (including tools of trade & limited annuity) (NY DEBT & CRED § 282)

Wild Card

$1,175 if no homestead claimed