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Pennsylvania Bankruptcy Exemptions

Pennsylvania Exemption Notes

Pennsylvania state law exemptions are some of the most stingy in the nation with no homestead exemption and a wildcard exemption of only $300.

However Pennyslyvania does recognize Tenancy By the Entirety, which might be the only reason a debtor might want to use the state exemptions — if they are filing separately from their spouse, and owe debts separate from their spouse.  

The Federal Bankruptcy Exemptions are available in Pennsylvania and are far more generous than state law exemptions, and so most debtors in Pennsylvania use the federal exemptions system under 11 U.S.C. § 522(d).

Other discussions of Pennsylvania Exemptions on the web. 

Both UpSolve and Nolo also feature discussion of Pennsylvania  bankruptcy exemptions, but Upsolve simply lists the federal exemptions as the ones to use in Pennsylvania. 


Can I use the §522(d) Federal Bankruptcy Exemptions in Pennsylvania?

Yes. Federal exemptions are available.



None; however, property held as tenancy by the entirety may be exempt against debts owed by only one spouse

Motor Vehicle



$300 of any property, including cash, real property, securities, or proceeds from sale of exempt property

Personal Property

Bibles & schoolbooks
Military uniforms & accoutrements
Sewing machines

See Also:
Insurance, Pensions, Public Benefits, Tools of Trade, Wages & Miscellaneous