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A waiver of an exemption executed in favor of a creditor that holds an unsecured claim against the debtor is unenforceable in a case under this title with respect to such claim against property that the debtor may exempt under subsection (b) of this section.
A waiver by the debtor of a power under subsection (f) or (h) of this section to avoid a transfer, under subsection (g) or (i) of this section to exempt property, or under subsection (i) of this section to recover property or to preserve a transfer, is unenforceable in a case under this title.
The States may, by passing a law, determine whether the Federal exemptions will apply as an alternative to State exemptions in bankruptcy cases. Section 522 (c) (1) tracks the House bill and provides that dischargeable tax claims may not be collected out of exempt property.
Here's the information you'll need to provide: Exemption system you're using. In the first section, you have to check one of two boxes. Your choice tells the court whether you will use the federal exemption system (11 U.S.C. § 522 (b) (2)) or your state exemption system (11 U.S.C. § 522 (b) (3)).
You can protect $27,900 of equity in your principal residence under federal exemptions. (11 USC § 522 (d) (1).) You must live in the home to use the homestead exemption. The residential property can be: personal property used as a residence (such as a residential trailer).
Searchable text of the 11 USC 522 - Exemptions (US Code), including Notes, Amendments, and Table of Authorities.
Title 11 - BANKRUPTCY. CHAPTER 5 - CREDITORS, THE DEBTOR, AND THE ESTATE. SUBCHAPTER II - DEBTOR'S DUTIES AND BENEFITS. Sec. 522 - Exemptions.