Arkansas state law provides specific protections for a single vehicle, necessary household goods, and retirement accounts.
Immediately upon filing, an "automatic stay" goes into effect, which legally prohibits creditors from calling, suing, or continuing wage garnishments against you. Non-Dischargeable Debts arkansas bankruptcy laws
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 state law provides specific protections for a
You must have lived in Arkansas for at least the six months prior to filing. Most student loans, unless you can prove "undue hardship"
Often called a "wage earner’s plan," this allows you to keep property by paying back some or all of your debt through a court-approved repayment plan lasting 3 to 5 years . It is a frequent choice for those looking to stop foreclosure or catch up on past-due car payments. Key Arkansas Bankruptcy Exemptions
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 .