PA HB1631

Allows individuals or married couples filing bankruptcy in Pennsylvania to choose between federal exemptions or new state exemptions, including up to $650,000 in primary residence equity (adjusted for inflation)

Exempts personal property up to $50,000 for individuals and $100,000 for married couples, plus amounts for prior year nondischargeable debts, utilities, and phone/internet payments

Fully exempts health aids, current wages, alimony/support payments, Social Security benefits, college savings plans, unemployment benefits, workers' compensation, and tax refunds

Protects all federal program benefits including TANF, SNAP, WIC, CHIP, Section 8 vouchers, LIHEAP, and federal student aid from bankruptcy claims

Takes effect 60 days after enactment and amends Title 42 of the Pennsylvania Consolidated Statutes by adding Section 8105