Federal "non-bankruptcy" exemptions are available in every state
You are entitled to use so-called federal "non-bankruptcy" exemptions in addition to your state law exemptions.
Non-bankruptcy exemptions are those exemption provisions of U.S. law that are NOT part of the bankruptcy code section section 522(d).
The four most significant non-bankruptcy exemptions are for
- Wages (a general cap on what percentage of your wages can be garnished),
- Social Security benefits,
- Civil Service benefits,
- Veterans Benefits
Other so called "non-bankruptcy" exemptions mostly deal with various benefits to government and military personnel, with a few odd laws regarding specially-regulated labor markets such as railroad workers, seamen, and longshoremen.
You may also be interested in:
Federal bankruptcy law has its own list of exemptions 11 U.S.C. § 522, but some states require you to use only the state law exemptions instead, while other states offer a choice of the state or federal exemptions. Find out what your state does.
How much of your home equity is protected if you file for bankruptcy in your state?
The Federal Government adjusts Federal exemption amounts every three years. Does your state adjust exemption amounts?