Georgia bankruptcy exemptions
Georgia has opted out of the federal exemptions, so Georgia debtors use the state list in O.C.G.A. § 44-13-100. Counted Bankruptcy applies the list by filing date and flags every amount for attorney review.
Homestead: changed on July 1, 2026
| Filing date | Per debtor | Married, one spouse holds title |
|---|---|---|
| Before July 1, 2026 | $21,500 | $43,000 |
| On or after July 1, 2026 | $50,000 | $100,000 |
Sources: Georgia HB 1024 (Act 480) and the M.D. Ga. announcement of June 12, 2026.
Other amounts (secondary source — verify)
| Property | Amount |
|---|---|
| Motor vehicle | $5,000 |
| Household goods | $300 per item, $5,000 total |
| Jewelry | $500 |
| Wildcard | $1,200 plus up to $10,000 of unused homestead |
| Tools of the trade | $1,500 |
| Life insurance cash value | $2,000 |
These amounts come from a FindLaw copy of O.C.G.A. § 44-13-100 marked “current as of March 28, 2024” (a secondary source). Check them against the official code before relying on them. Retirement benefits are covered in § 44-13-100(a)(2.1).
How the software uses them
- Schedule C is filled from the property entered in Schedule A/B.
- The homestead amount follows the filing date.
- The what-if tool compares exemptions for two filing dates.
- Every amount is marked for attorney review.
Questions
Can Georgia debtors choose the federal exemptions?
No. Georgia opted out under O.C.G.A. § 44-13-100(b), so the Georgia list applies.
Which homestead amount applies to a case filed in July 2026?
Cases filed on or after July 1, 2026 use $50,000 per debtor ($100,000 when married and one spouse holds title), per HB 1024.
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