Westchester County is directly north of New York City and includes affluent suburbs like Scarsdale, White Plains, and New Rochelle. It has its own division within the Southern District of New York.
Westchester County cases are filed in the Southern District of New York, White Plains Division. The courthouse is at 300 Quarropas St, White Plains, NY 10601. This is more convenient for Westchester residents than traveling to Manhattan.
New York state or federal exemptions. State homestead: $179,975 (Westchester County falls in the middle tier). Vehicle: $4,825. Cash: $5,000. Personal property: varies. Federal alternative: homestead $27,900 per person. Westchester's high home values often exceed the state exemption.
Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.
Westchester County cases are filed in the Southern District of New York, White Plains Division. The courthouse is at 300 Quarropas St, White Plains, NY 10601. This is more convenient for Westchester residents than traveling to Manhattan.
The New York state homestead exemption of $179,975 may be insufficient for many Westchester County homes, where median home values are significantly higher. Homeowners with substantial equity should carefully consider Chapter 13, which allows you to keep your home regardless of equity.
The means test adjusts for local costs, and Westchester's high housing and transportation costs can increase allowed deductions. However, a high income does not automatically disqualify you - the test compares your income to the state median and subtracts allowed expenses. Many Westchester residents with above-median income still qualify.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
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Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5