Wildcard Exemptions — State System
New York Law Exemptions
$1,175 if no homestead claimed
Federal Non-Bankruptcy Wildcard Exemptions (none)
Wildcard Exemptions -- Federal System § 522(d)
Can New York debtors use the Federal Bankruptcy exemptions instead of New York exemptions?
Yes. N.Y. Debt. & Cred. Law § 285
The Federal Bankruptcy Exemptions under 11 U.S.C. § 522(d) are available to you if
- you haven't lived in any state longer than 180 days for a while,
- or
- if your state allows the Federal exemptions as a choice.