15.2.1 Introduction
15.2.1 Introduction
Homestead exemptions are designed to protect the home for the debtor and the debtor’s family. The only states that do not provide homestead exemptions for debtors outside of bankruptcy are Maryland, New Jersey, and Pennsylvania.1 However, the states that have homestead exemptions vary widely in the amount and nature of the exemption.2
Footnotes
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1 See Appx. H, infra.
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2 See Appx. H, infra; National Consumer Law Center, No Fresh Start in 2019: How States Still Let Debt Collectors Push Families into Poverty (Nov. 2019), available at www.nclc.org (state-by-state comparison of homestead exemptions). See also In re Pace, 521 B.R. 124 (Bankr. N.D. Miss. 2014) (detailed survey of various states’ homestead laws and cases construing them, and history of Mississippi homestead).