Wildcard Exemptions — State System
Massachusetts Law Exemptions
up to $1,000 plus up to $5,000 unused about of exemptions for automobile, household furnishings, and tools of trade
Federal Non-Bankruptcy Wildcard Exemptions (none)
Wildcard Exemptions -- Federal System § 522(d)
Can Massachusetts debtors use the Federal Bankruptcy exemptions instead of Massachusetts exemptions?
Yes. Federal exemptions are available.
The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if
- you haven't lived in any state longer than 180 days for a while,
- or
- if your state allows the Federal exemptions as a choice.