Because the exemption options and laws are constantly changing, it is always best to check with an attorney in your state to see what exemptions apply to your individual case. Having said that,


Residency Requirement

In each state, laws require an individual debtor to have lived in that state for a certain amount of time before they can be eligible to use that state's exemptions. (This provision was implemented to prevent debtors from moving to a state with more generous exemptions just prior to filing for bankruptcy.)