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Bankruptcy in Connecticut: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Connecticut. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $75,000 ($150,000 if joint filers).
  • Vehicle exemption: $3,500.
  • Federal exemptions available — you can choose state or federal.
  • Attorney fees: $1,500–$2,500 (Ch. 7) / $3,500–$5,000 (Ch. 13) typical.
$75,000 ($150,000 if joint filers) Homestead exemption
$3,500 Vehicle exemption
Yes Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Connecticut Bankruptcy Exemptions

  • Homestead$75,000 ($150,000 if joint filers)
  • Vehicle$3,500
  • Personal property$1,000 per item of household goods
  • Wildcard$1,000
  • Federal exemptionsAvailable (can choose)

Means Test: Connecticut Median Income

To qualify for Chapter 7 in Connecticut, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$76,200
  • 2 people$93,760
  • 3 people$108,740
  • 4 people$127,140

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,500–$2,500 (Ch. 7) / $3,500–$5,000 (Ch. 13)
  • Court districtsDistrict of Connecticut

Connecticut bankruptcy court

Related Resources

Frequently Asked Questions

  • Can I choose between federal and state exemptions in Connecticut?

    Yes. Connecticut is one of the states that allows debtors to choose between the state exemption system and the federal bankruptcy exemptions. You cannot mix and match.

  • What is Connecticut's homestead exemption?

    Under state exemptions, the homestead is $75,000 ($150,000 for joint filers). Under federal exemptions, the homestead is approximately $27,900.

  • How does the Connecticut means test work?

    Connecticut has a high median income. If your income falls below the state median for your household size, you presumptively qualify for Chapter 7 without a detailed means test.

  • Can I discharge medical debt in Connecticut bankruptcy?

    Yes. Medical debt is unsecured and is typically fully dischargeable in both Chapter 7 and Chapter 13 bankruptcy.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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