State Bankruptcy Laws Made Easier to Understand

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Consumer Attorneys of America, a bankruptcy law firm, explains variations in state laws for chapter 7 and chapter 13 bankruptcy.

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Most statutes that are on the books are difficult for the average person to understand. This is especially true when it comes to bankruptcy laws in almost all states because it is a complex area to begin with.

Consumer Attorneys of America, a national service provider of legal representation and guidance for bankruptcy and debt counseling, wants to inform Americans that its attorneys have the experience and knowledge to make confusing state bankruptcy laws simpler to comprehend.

"Most statutes that are on the books are difficult for the average person to understand," says Robert Kerr, Esq. “This is especially true when it comes to bankruptcy laws in almost all states because it is a complex area to begin with. But since our firm provides bankruptcy representation and filing services throughout the United States, we are well-versed with the ins and outs of these statutes no matter which state they apply to."

The federal government, in its role overseeing the bankruptcy court, has numerous laws regarding both Chapter 7 and Chapter 13 bankruptcy for individuals and households in the United States. However, individual states often have laws that further clarify or regulate the specific qualifications, processes, exemptions, and requirements of bankruptcies to be filed within its borders.

Not surprisingly, many of these non-federal bankruptcy laws differ from state to state. For instance:

  • In many states, including Alaska, New Jersey, and Vermont, bankruptcy filers can choose either the federal or the state bankruptcy exemptions. To know if your state allows for additional filing exemptions, contact us toll free at 855-415-5208.
  • New York bankruptcy law treats a civilian musician differently than one who plays in the U.S. armed forces.
  • A bankruptcy filer in Florida who is single can exempt the entire value of his or her home; while in neighboring Georgia, such an individual can only exempt up to $21,500 of his or her residence.
  • West Virginia allows bankruptcy filers to exempt up to $25,000 for either a home or a burial plot.
  • In Kansas, filers are allowed an exemption for an automobile of up to $20,000; while in Kentucky, that exemption is just $2,500.
  • In Washington (state), filers are allowed to hold on to up to $1,000 worth of furs as an exemption.
  • Maine allows filers to keep up to five tons of coal for fuel purposes as an exemption.
  • In Iowa, filers don't have to surrender your shotgun, rifle, or musket as part of bankruptcy proceedings.
  • Michigan permits an exemption of up to $650 for a church pew.
  • Louisiana allows filers to exempt one cow.

The personnel at Consumer Attorneys of America have years of experience in interpreting bankruptcy laws in different states, answering clients' questions about their case, and recommending the proper course of action. "Our goal is to find the best way for Americans to address their debts and give them a fresh start," says Henry Portner, Attorney at Law for Consumer Attorneys of America.

To learn more about filing bankruptcy in a specific state, contact Consumer Attorneys of America online to schedule a free, no-obligation consultation, or start the application process directly from the home page of the website by entering your ZIP code in the space provided. Anyone with questions is encouraged to call Consumer Attorneys of America directly at 1-855- 415-5208 to speak with an experienced bankruptcy attorney in your state.


Consumer Attorneys of America is a national law firm company that provides legal representation for Americans who wish to seek bankruptcy under either Chapter 13 or Chapter 7 of the tax code. The firm also offers advice on bankruptcy alternatives like credit counseling, debt consolidation, and foreclosure defense. Consumer Attorneys of America has attorneys who work in every state that can help customers find the information they need, weigh the advantages and disadvantages of their options, and make the best choice for their individual financial situation.

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Jamie Maloney
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