>>(I thought all bankruptcy laws were federal There are some protections for primary residence in Chapter 7, but it is not complete protection. I believe it i

>>(I thought all bankruptcy laws were federal There are some protections for primary residence in Chapter 7, but it is not complete protection. I believe it is around $25,000 in equity, Meaning if your home is worth $225,000 and you owe $200,000 then your home is safe If however you have a $225,000 home, and only owe $80,000 on it under the Federal Exemption system you could be forced to sell to satisfy debtors Many states, as you have discovered, have additional exemptions, one generally has to choose if they want to use State or Federal Exemptions at the time of filing.