I just moved to Arizona — which state's bankruptcy exemptions apply to me?

It depends on how long you've lived here. Under 11 U.S.C. § 522(b)(3), you use the exemptions of the state where you were domiciled for the 730 days (two years) before filing. If you moved during that window, you use the state where you lived the majority of the 180 days before that two-year period.

So if you moved to Arizona 14 months ago from Washington, Washington's exemption rules (or the federal exemptions) may control your case — not Arizona's. If your former state's exemptions aren't available to non-residents, the federal § 522(d) exemptions become the fallback.

This analysis can dramatically change what you keep — Arizona's homestead is generous, but so is Washington's county-median-based homestead. If you've moved recently, have an attorney run the domicile analysis before choosing when to file.