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Bankruptcy in Washington: Exemptions and Filing Guide

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

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $125,000 (or actual homestead value, whichever is greater, up to county median).
  • Vehicle exemption: $3,250.
  • Federal exemptions available — you can choose state or federal.
  • Attorney fees: $1,500–$2,500 (Ch. 7) / $3,500–$5,000 (Ch. 13) typical.
$125,000 (or actual homestead value, whichever is greater, up to county median) Homestead exemption
$3,250 Vehicle exemption
Yes Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Washington Bankruptcy Exemptions

  • Homestead$125,000 (or actual homestead value, whichever is greater, up to county median)
  • Vehicle$3,250
  • Personal property$3,500 household goods per debtor; $2,700 clothing
  • Wildcard$3,000 ($500 in cash, $2,500 in other property)
  • Federal exemptionsAvailable (can choose)

Means Test: Washington Median Income

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

  • 1 person$70,200
  • 2 people$87,800
  • 3 people$99,400
  • 4 people$115,200

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 districtsEastern and Western Districts of Washington

Washington bankruptcy court

Related Resources

Frequently Asked Questions

  • What is the homestead exemption in Washington?

    Washington's homestead exemption is at least $125,000 but may be higher depending on the county's median home sale price. Recent legislation significantly increased protections.

  • Can I choose federal exemptions in Washington?

    Yes. Washington allows debtors to choose between state and federal bankruptcy exemptions.

  • What is the vehicle exemption in Washington?

    Washington state provides a $3,250 vehicle exemption. The federal exemption is approximately $4,450.

  • Is Washington a community property state?

    Yes. Community property of both spouses may be pulled into the bankruptcy estate even if only one spouse files.

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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