Filing for bankruptcy in Arkansas involves navigating both federal statutes and specific state guidelines that dictate which assets you can keep and how your case is processed through the U.S. Bankruptcy Court for the Eastern and Western Districts of Arkansas .
Certain debts generally cannot be wiped out in an Arkansas bankruptcy, including: Child support and alimony. Most student loans, unless you can prove "undue hardship". Recent tax debts and debts incurred through fraud. Eastern & Western Districts of Arkansas - Bankruptcy Court arkansas bankruptcy laws
Arkansas state law provides specific protections for a single vehicle, necessary household goods, and retirement accounts. Filing for bankruptcy in Arkansas involves navigating both
All filers must complete a pre-filing credit counseling course and a post-filing debt management course from approved providers. Most student loans, unless you can prove "undue hardship"
Some individuals find the federal exemption list more favorable, especially if they do not own a home but have other high-value personal assets. Mandatory Filing Requirements
As of 2026, the standard filing fee is $338 for Chapter 7 and $313 for Chapter 13 . If your income is below 150% of the federal poverty level, you may apply for a fee waiver .