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Hampshire County, Massachusetts McLennan County, Texas Brazoria County, Texas Greenville County, South Carolina Honolulu County, Hawaii Norfolk County, Massachusetts Cameron County, Texas Williamson County, Texas Charleston County, South Carolina San Mateo County, California Coconino County, Arizona Rowan County, North Carolina San Luis Obispo County, California Harris County, Texas Ontario County, New York Tom Green County, Texas Lancaster County, Pennsylvania Galveston County, Texas Cumberland County, Maine Spartanburg County, South Carolina Chester County, Pennsylvania Berkshire County, Massachusetts Cass County, North Dakota Gregg County, Texas Alamance County, North Carolina Catawba County, North Carolina Merced County, California Queens County, New York Randall County, Texas Tolland County, Connecticut Fort Bend County, Texas Olmsted County, Minnesota Strafford County, New Hampshire Comal County, Texas Buncombe County, North Carolina Kennebec County, Maine Santa Barbara County, California Monroe County, New York Henderson County, North Carolina Santa Clara County, California Westchester County, New York The homestead exemption in a few states depends only on lot size; in others, it depends on both lot size and equity, and in others, equity only.

Some states require you to file a Declaration of Homestead at the county court in order to use that state's homestead exemption.

Step 1 Gather Your Documents

In many states, you can also apply a wildcard exemption to your home. This is an exemption that can be applied to any property, but in some states, it is restricted to personal property, and can't be used for your home. In any case, wildcard exemptions for most states are very small.

In 18 states, a home can be owned by a couple as a tenancy by the entirety. In these states, the home can be completely protected if:.

However, if both file, then the home is subjected to whatever rules applies to a joint filing by a married couple. In some states, or using the federal exemptions, a married couple filing jointly can double their homestead exemption and wildcard exemption. Prior to the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act of BAPCPA , many people would, before filing for bankruptcy, move to another state that had a more generous homestead exemption than the one they were living in. The new law has much stricter requirements as to which state's home exemption you can use.

However, if you live in a state that allows the choice of federal exemptions, then you can choose the federal exemptions regardless of how long you were living in the state.

Chapter 7, Title 11, United States Code

If you have lived in your home for at least 40 months before filing, or if you have lived in your home for less than 40 months, but purchased it after selling another home in the same state that you lived in more than 40 months earlier, then you can use your current state's exemption. Note: this limit is adjusted for inflation periodically and is published at the top of Schedule C — Property Claimed as Exempt.

In October he said he was now pursuing a commercial driver's license, but will have to purchase an wheeler rig just to begin accepting work. David Pratt Jr. He is now following his wife, Wendy, into the nursing profession.

Chapter 7 Bankruptcy in Kentucky

The Pratts have three children: the oldest are ages 8 and 6, and the youngest is 10 months. Gary Lewis worked for Blackjewel as a coal washer for four years and has 25 years in the Kentucky mines. Currently drawing unemployment, Lewis, who has a wife and 18 year-old son, told NCR, "My boy is planning on going into law enforcement because he has seen me too lose too many jobs. In October, the miners were promised some relief as a settlement was approved by the U.

Chapter 11 Bankruptcy Cases — PETITION

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Learn more here. Join now. The human face of the Blackjewel coal mine bankruptcy.

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Oct 31, This article appears in the The Field Hospital feature series. View the full series. BJ Jennifer McDaniels.

Bankruptcy, Insolvency & Restructuring

The Catholic Church in Eastern Kentucky has been a source of support throughout the crisis. The Pratts 3. David Pratt Sr.