Determining The Applicable State
If you live in a state that allows the choice of the federal bankruptcy exemptions, then you can choose the federal bankruptcy exemption without regard to how long you were living in the state.
730-day rule. If you have lived in a state for at least 730 calendar days continuously (2 years) previous to the filing of bankruptcy, you can use that state's exemptions or the federal options if the state allows it.
180-day rule. If you did not live in your current state continuously for at least 730 days, then you must pick the state in which you lived most of the time during the 180 days previous to the 730 days. In other words, the state that must be selected is where you lived most of the time between 2 and 2 ½ years before filing.
Default rule. If no state qualifies using the above rules or if the 180-day state requires current residency or domiciliary to use its exemptions, then the petitioner must use the federal exemptions. The default rule will only apply if you did not live in any state during the 180 day period that began 730 days before filing, or if the state requires current residency or domiciliary.