Exemption Choices for the Recently Mobile

Old and new consumer bankruptcy lawyers have a treasure in John Bates’ masterpiece on the exemption laws of each state and the availability of those laws to non residents in bankruptcy.  Check out www.exemptionexpress.com, then send John a thank you.

Why do I care what the exemptions are in any state but California?  The Bankruptcy Code! ( what other answer did you expect from me? )   BAPCPA tried to eliminate any advantage a debtor might reap by moving to a state with more generous bankruptcy exemptions than their current state. Bankruptcy Code 522(b)(3)(A) sets out the formula to determine which state’s laws are available to the debtor who has not lived in the state where the bankruptcy case is filed for two years.

But it gets more complicated. The exemption laws of  some states don’t apply beyond their borders.  But which ones are those, and how do I find out, you ask.  Go to exemptionexpress. The stated purpose of the site is to help bankruptcy lawyers

1.  To determine what exemptions (federal, state, or both) are available to that debtor;

2.  To determine what, if any, territorial limitations there may be on use of those exemptions; and

3.  To provide statutory and case law in support of those determinations.

Talk about a public service.  Thanks, John.

What to do when there’s more cash than exemption.

Image courtesy of Marxchivist

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  1. You’re so right about that being a great site. My very first bankruptcy client was a recent import into California. Luckily for me, I had been pointed to http://www.exemptionexpress.com before the client showed up and it made short work of the exemption issue.