Georgia · Bankruptcy exemptions

Georgia Bankruptcy Exemptions

For petitions filed on or after July 1, 2026: $50,000 per filer, or $100,000 for qualifying joint filings. Earlier filings use the prior limits.

Four rules checked against governing sourcesSources checked through Jun 17, 2026Inspect the coverage gate

Answer first, sources attached

The four rules to check first

These are current source-linked reference points, not a conclusion about which exemptions apply to a particular filing.

Home equity

Homestead

Individual: $21,500 (petitions filed before 2026-07-01) / $50,000 (petitions filed on or after 2026-07-01). Joint: $43,000 (pre-2026-07-01) / $100,000 (2026-07-01 onward). Annual CPI indexing begins 2031-07-01

O.C.G.A. § 44-13-100(a)(1) as amended by HB 1024 (2025-26 sess.), eff 2026-07-01

Verified Jun 27, 2026 · Next review by Jul 1, 2031

Transportation

Motor vehicle

$5,000 aggregate interest in all motor vehicles, per debtor (O.C.G.A. § 44-13-100(a)(3))

O.C.G.A. § 44-13-100(a)(3) — debtor's interest not to exceed $5,000.00 total in all motor vehicles; raised from $3,500 by 2013 Ga. Laws 328, § 2, eff. 7/1/2013

Verified Jun 29, 2026 · Next review by Jan 1, 2028

Other property

Wildcard and personal property

$1,200 + up to $10,000 unused homestead carryover

O.C.G.A. §§ 44-13-100(a)(6), 44-13-1

Verified Jun 17, 2026 · Next review by Jan 1, 2028

System choice

State or federal exemption system

Georgia has opted out of the federal §522(d) exemption scheme. Debtors domiciled in Georgia may NOT elect the federal exemption schedule — only the Georgia exemption schedule under O.C.G.A. § 44-13-100(a) is available.

O.C.G.A. § 44-13-100(b); corroborating: Justia § 44-13-100 capture (2024 codified edition)

Verified Jun 27, 2026 · Next review by Jun 30, 2027

What changes the answer

The number is only the starting point

Petition date and domicileTiming can change the applicable state system and the operative amount.
Equity, liens, and ownershipThe protected interest is not simply the property’s market value.
Joint filing and doublingWhether spouses can combine an exemption depends on the rule and facts.
Federal limits and case lawFederal provisions, including 11 U.S.C. § 522(p), and controlling decisions can limit the result.

Organize home equity

Work through value, secured balances, selling costs, and an optional exemption reference.

View published income figures

See the current U.S. Trustee table by household size for Georgia.

Find licensed help

Use public directories to find a lawyer who can apply the rules to a filing.

For bankruptcy attorneys

Put the rule into the matter, not another note

DocketBuddy carries source-linked exemption data into the client record, organizes the facts that affect the analysis, and leaves the legal decision with the attorney.

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This page reports source-linked state rules and review dates. It does not select an exemption system, determine eligibility, calculate protected equity, or apply law to an individual situation. Verify the cited authority and current law before relying on a figure.