White v. Stump, 266 U.S. 310 (1924). · Go Syfert
White v. Stump, 266 U.S. 310 (1924). Cases Citing This Book View Copy Cite
Quick Summary

The state laws existing at the time a bankruptcy petition is filed serve as the measure of a debtor's right to exemptions.

A debtor filed a voluntary petition in bankruptcy and subsequently attempted to claim a homestead exemption on land by filing the required state declaration after the petition was filed. The question is whether a debtor may claim a state-law homestead exemption if the legal requirements for that exemption were not met at the time of the bankruptcy filing. Because the bankruptcy code makes the state laws existing at the time of the petition the measure of the right to exemptions, the date of filing serves as the point of time that separates the debtor's old affairs from the new. Since the land was not exempt under state law when the petition was filed, the subsequent filing of a declaration does not create a valid exemption.

898 citation events (414 in the last 25 years) across 109 distinct courts.
Treatment trajectory · 1925 → 2026 · click a year to view as-of
1925 1975 2026
Cited for
At page 313 Determining the date for determining bankruptcy exemptions50 citing cases“the point of time which is to separate the old situation from the new in the bankrupt's affairs is the date when the petition is filed.”6 citing courts quote it · 37 listed here
  • Toby D Geahlen, No. 24-31750 (Bankr. N.D. Ohio June 25, 2025).
    (When the law speaks of property which is exempt and of rights to exemptions, it of course refers to some point of time.... [O]ne common point of time is intended and that is the date of the filing of the petition.)
  • Kenneth Crosby, No. 23-50149 (Bankr. S.D. Ga. Apr. 22, 2025).
    (It is settled law that a claim of exemption is to be determined as of the petition date.)
  • Daimon William Jacobs, No. 21-10658 (Bankr. N.D. Okla Nov. 7, 2023).
    (In a bankruptcy proceeding the determination of what property is exempt is made as of the date of filing[.])
  • In re: Jesslyn Renee Anderson, No. WW-19-1224-LBG (9th Cir. BAP Mar. 23, 2020).published
    (A debtor’s entitlement to claimed exemptions generally is determined as of the date of such debtor’s bankruptcy filing.)
  • Burciaga v. Moglia, No. 1:18-cv-05293 (N.D. Ill. June 3, 2019).
    ([c]ourts interpreting Illinois exemption laws have traditionally followed a ‘snap-shot’ rule holding that exemptions are determined as of the date of a case filing)
  • Debra Wilson v. James Rigby, 909 F.3d 306 (9th Cir. 2018).published
    (Under the so-called ‘snapshot’ rule, bankruptcy exemptions are fixed at the time of the bankruptcy petition.)
  • In re Aubiel, 516 B.R. 476 (Bankr. N.D. Ohio 2014).published 3 cites
    “when the law speaks of property which is exempt and of rights to exemptions, it of course refers to some point of time.... one common point of time is intended and that is the date of the filing of the petition.”
  • In Re Vansickle, 350 B.R. 897 (Bankr. D. Idaho 2006).published 3 cites
    (The point of time which is to separate the old situation from the new ... is the date when the petition is filed....)
  • In re: Randolph Neil Chapman & Sheryl E. Chapman, Debtors., No. 25-80843 (Bankr. C.D. Ill. Mar. 11, 2026). 3 cites
    Awayda, 574 B.R. at 695 , citing White v. Stump, 266 U.S. 310, 313 (1924); Owen v. Owen, 500 U.S. 305 , 314 n.6 (1991).
  • Harry Monroe Ashwood, V & Stacie Marie Ashwood, No. 24-11378 (Bankr. N.D. Okla Sept. 30, 2025).
    Rather, the statute exhaustively specifies the criteria that will render property exempt.”). 24 § 522(b)(3)(A); In re Crow, 987 F.3d 912, 921 (10th Cir. 2021) (“[A] debtor’s right to an exemption is determined on the petition date.” (citin…
Show 27 more citing cases
  • Joseph Jack Minc & Karen Esther Minc, No. 24-48965 (Bankr. E.D. Mich. July 25, 2025).
    Mich. 1990) (“[B]ankruptcy exemptions are fixed on the date of filing” and that means that “we focus only on the law and facts as they exist on the date of filing the petition”) (italics in original) (citations omitted) (quoting Armstrong…
  • Carey Macon, No. 09-41631 (Bankr. S.D. Ga. May 2, 2025).
    Ill. 2014) (citing White v. Stump, 266 U.S. 310, 313 (1924)).
  • Joseph W. Prestia, No. 23-10242 (Bankr. W.D. Pa. Jan. 12, 2024).
    White v. Stump, 266 U.S. 310,313 (1924).
  • Whitney J. Harding, No. 22-70235 (Bankr. C.D. Ill. Aug. 25, 2023).
    “the status and rights of the bankrupt, the creditors and the trustee . . . are fixed”
  • Harvey Blake Haddock, No. 22-10503 (Bankr. N.D. Okla Mar. 15, 2023).
    Seventy-five percent (75%) of all current wages or earnings for personal or professional services earned during the last ninety (90) days, except as provided in Title 12 of the Oklahoma Statutes in garnishment proceedings for collection of…
  • Kimberly Jo Steinke, No. 21-90618 (Bankr. C.D. Ill. June 15, 2022).
    “the status and rights of the bankrupt, the creditors and the trustee . . . are fixed”
  • Kathy Ellen Richards, No. 21-40438 (Bankr. W.D. Ky. Jan. 10, 2022).
    (explaining that “the point of time which is to separate the old situation from the new in the bankrupt’s affairs is the date when the petition is filed.)
  • Jason Robert Wylie & Leah S. Wylie, No. 20-49216 (Bankr. E.D. Mich. May 28, 2021).
    Mich. 1990) (“[B]Jankruptcy exemptions are fixed on the date of filing” and that means that “we focus only on the law and facts as they exist on the date of filing the petition’) (italics in original) (citations omitted) (quoting Armstrong…
  • Jose Mendez Albarran v. Carmen Socorro Rivera, No. BAP No. PR 19-067 (1st Cir. BAP May 20, 2021).published
    Rockwell v. Hull (In re Rockwell), 968 F.3d 12, 18 (1st Cir. 2020) (citing White v. Stump, 266 U.S. 310, 313 (1924); Myers v. Matley, 318 U.S. 622, 628 (1943); Pasquina v. Cunningham (In re Cunningham), 513 F.3d 318, 318 (1st Cir. 2008)),…
  • Michael P. Klein v. Jesslyn Anderson, No. 20-60014 (9th Cir. Mar. 1, 2021).published
    When the homeowner files bankruptcy, her right to claim an exemption is fixed as of the petition date; this is often referred to as the “snapshot rule.” Wolfe v. Jacobson (In re Jacobson), 676 F.3d 1193, 1199 (9th Cir. 2012) (citing White…
  • Radiance Capital v. Crow, 987 F.3d 912 (10th Cir. 2021).published
    White v. Stump, 266 U.S. 310, 313 (1924).
  • Matthew Guy Landgraf, No. 19-41155 (Bankr. N.D. Tex. Jan. 13, 2021).
    At a minimum, according to the Debtor, he has presented sufficient summary judgment evidence to establish the existence of disputed issues of material fact precluding summary judgment. 76 See Cyr, 605 B.R. at 794 (citing White v. Stump, 26…
  • William Skelton, No. 20-10636 (Bankr. N.D. Miss. Dec. 16, 2020).
    White v. Stump, 266 U.S. 310, 313 (1924).
  • Matthew Guy Landgraf, No. 19-41155 (Bankr. N.D. Tex. Sept. 29, 2020).
    At a minimum, according to the Debtor, he has presented sufficient summary judgment evidence to establish the existence of disputed issues of material fact precluding summary judgment. 76 See Cyr, 605 B.R. at 794 (citing White v. Stump, 26…
  • Hull v. Rockwell, 968 F.3d 12 (1st Cir. 2020).published
    White v. Stump, 266 U.S. 310, 313 (1924); Myers v. Matley, 318 U.S. 622, 628 (1943) ("[T]he bankrupt's right to a homestead exemption becomes fixed at the date of the filing of the petition in bankruptcy . . . ."); In re Cunningham, 513 F.…
  • William Joseph Montanez, No. 18-24734 (Bankr. N.D. Ill. Apr. 1, 2020).
    (explaining that “the point of time which is to separate the old situation from the new in the bankrupt’s affairs is the date when the petition is filed)
  • Belgica Dargelis Connell, No. 19-43726 (Bankr. W.D. Wash. Feb. 18, 2020).
    “the date of the filing of the [bankruptcy] 23 petition”
  • George Burciaga v. Alex Moglia, 944 F.3d 681 (7th Cir. 2019).published
    (describing the time of fil- ing as a “line of cleavage)
  • James Edward Parker, No. 19-02838 (Bankr. E.D.N.C. Dec. 12, 2019).
    White v. Stump, 266 U.S. 310, 313 (1924).
  • Thomas Crow v. United States Bankr. Court for the Dist. of Wyoming - Cheyenne, No. 18-86 (10th Cir. BAP Nov. 26, 2019).published
    ([T]he point of time which is to separate the old situation form the new in the bankrupt’s affairs is the date when the petition is filed.)
  • Kara Frances Jennings, No. 2:18-bk-11759 (Bankr. D. Ariz. Sept. 23, 2019).unpublished
    In re Jacobson, 676 F.3d 1193, 1199 (9th Cir. 2012) (citing White v. 25 Stump, 266 U.S. 310, 313 (1924)).
  • Constance Gail Mason, No. 19-54424 (Bankr. N.D. Ga. Aug. 27, 2019).
    “the point of time which is to separate the old situation from the new in the bankrupt’s affairs is the date when the petition is filed”
  • In re: Edward E. Elliott, No. CC-15-1127-DKiG (9th Cir. BAP Jan. 29, 2016).published
    See § 522(b)(3)(A); 23 4 Collier on Bankruptcy ¶ 522.05[1]; Wolfe v. Jacobson (In re 24 Jacobson), 676 F.3d 1193, 1199 (9th Cir. 2012), citing White v. 25 Stump, 266 U.S. 310, 313 (1924); In re Dore, 124 B.R. 94 , 98 26 (Bankr.
  • In re: Geary Juan Johnson, No. CC-14-1169-TaKuPa (9th Cir. BAP Dec. 9, 2014).unpublished
    White v. 5 Stump, 266 U.S. 310, 313 (1924); In re Cerchione, 414 B.R. at 548 . 6 Section 522(b) allows debtors to choose the exemptions 7 afforded by state law or the federal exemptions listed under 8 § 522(d).
  • In re: Douglas Carl Johns & Janina Johns, No. ID-14-1049-KiDJu (9th Cir. BAP Dec. 8, 2014).unpublished
    White v. 5 Stump, 266 U.S. 310, 313 (1924); In re Cerchione, 414 B.R. at 548 . 6 Section 522(b) allows debtors to choose the exemptions 7 afforded by state law or the federal exemptions listed under 8 § 522(d).
  • In re: David B. Ramsey & Donna R. Ramsey, No. ID-11-1592-JuMkH (9th Cir. BAP Aug. 3, 2012).unpublished
    White v. Stump, 266 U.S. 310, 313 (1924); In re 12 Cerchione, 414 B.R. at 548 . 13 Section 522(b) allows debtors to choose the exemptions 14 afforded by state law or the federal exemptions listed under 15 § 522(d).
  • In re: Randal Scott Banks & Debra Louise Banks, No. ID-11-1495-HJuMk (9th Cir. BAP July 31, 2012).unpublished
    Thus, the Trustee 16 and Washington Bank assert that the Debtors failed to meet the 17 requirements for claiming a homestead exemption under I.C. § 55- 18 1001(2) (“Property included in the homestead must be actually 19 intended or used as…
At page 312 “the bankruptcy code makes the state laws existing when the petition is filed the measure of the right to exemptions.”5 citing cases5 citing courts quote it · passage not found verbatim in the opinion (90%)
  • In Re Sanford, 403 B.R. 831 (Bankr. D. Nev. 2009).published 3 cites
    ([The Bankruptcy Code] makes the state laws existing when the petition is filed the measure of the right to exemptions.)
  • In Re Zavala, 366 B.R. 643 (Bankr. W.D. Tex. 2007).published 3 cites
    ([The Bankruptcy Code] makes the state laws existing when the petition is filed the measure of the right to exemptions.)
  • Dennis J Romo & Darya Romo, No. 24-10185 (Bankr. D.N.M. Feb. 27, 2025).
    In White v. Stump, 266 U.S. 310, 312 (1924), decided under the former Bankruptcy Act, the Supreme Court held that the bankruptcy law “makes the state laws existing when the petition is filed the measure of the right to exemptions.” Because…
  • Crystal Holmes v. Rosalina Harris, No. 21-55330 (9th Cir. Apr. 22, 2022).unpublished
    ([The Bankruptcy Law] makes the state laws existing when the petition is filed the measure of the right to exemptions.)
  • In Re: Zibman, No. 00-20898 (5th Cir. Dec. 13, 2001).published 2 cites
    (explaining that the “state laws existing when the [bankruptcy] petition is filed [are] the measure of the right to exemptions)
45 S. Ct. at 104 cited at this page2 citing cases
  • Jeannine Ann Crawford, No. 3:24-bk-31315 (Bankr. E.D. Tenn. Sept. 17, 2025).
    Stump, 266 U.S. 310, 313 , 45 S. Ct. 103, 104 (1924)))).
  • In re: Kathy Ellen Richards, No. 22-8002 (6th Cir. BAP Aug. 25, 2022).published
    A “debtor may claim only those exemptions available at the time of the bankruptcy petition filing[.]” Holley v. Corcoran (In re Holley), 661 F. App’x 391, 395 (6th Cir. Oct. 25, 2016) (citing In re Wengerd, 453 B.R. 243, 250 (B.A.P. 6th Ci…
At page 310 Mr. Justice Van Devanter delivered the opinion of the Court. Peter Stump was adjudged a bankrupt on his voluntary petition, which was accompanied by the usual…1 citing caseopening of page *310 (no citing court says what it cites this page for)
  • Hull v. Rockwell, No. 2:18-cv-00385 (D. Me. Sept. 24, 2019).
    The Fifth Circuit in Zibman cited the Supreme Court’s holdings in Myers and White as concluding that “the law and facts existing on the date of filing the bankruptcy petition determine the existence of available exemptions, [while] flag[gi…
Other citing cases2 with no pin cite or quoted language on record
Retrieving the full opinion text from the archive…
White, Trustee of the Estate of Pete Stump, Bankrupt,
v.
Veta Stump
20.
Supreme Court of the United States.
Nov 24, 1924.
Published opinion
266 U.S. 310
1924 U.S. LEXIS 2671
Mr. James E. Babb for petitioner. Mr. Samuel O. Tan-nahill and Mr. Robert D. Leeper were also on the brief., Mr. Harve H. Phipps for respondent.
Van Devanter.
Cited by 282 opinions  |  Published
5 passages pin-cited by 6 cases
Pinpoint authority: #9,981 of 633,719
Citer courts: D. Idaho (3) · D. Maryland (3) · D. Nevada (3) · N.D. Ohio (3) · W.D. Texas (3) · E.D. Pennsylvania (2)
Mr. Justice Van Devanter

delivered the opinion of the Court.

Peter Stump was adjudged a bankrupt on his voluntary petition, which was accompanied by the usual schedules. Among the assets listed was a quarter section of land on which he and his family had been and were residing; but[*311] nothing was said at the time about a homestead exemption. Two months later the bankrupt’s wife, with his assent, asked that the land be set apart as an exempt homestead for their joint benefit. The trustee'objected and on a hearing the exemption was disallowed by the referee. On review that ruling was reversed by the District Court, and on petition for revision the reversal was sustained by the Circuit Court of Appeals, 284 Fed.. 199. The case is here on certiorari.

The laws of the State of Idaho, where the land is situate, provide for a homestead exemption, but only where a declaration that the land is both occupied and claimed as a homestead is made and filed for record as therein prescribed. If the family consist of husband and wife, whether with or without children, either may make the declaration. It “ must ” be executed and acknowledged like a conveyance of real property and “ must ” be filed for record in the office of the county recorder. The exemption arises when the declaration is filed, and not before. Up to that time the land is subject to execution and attachment like other land; and where a levy is effected while the land is in that condition the subsequent making and filing of a declaration neither avoids the levy nor prevents a sale under it. Idaho Comp. Stat. 1919, §§ 5441, 5462-5465; Smith v. Richards, 2 Idaho, 498; Wright v. Westheimer, 3 Idaho, 232; Law v. Spence, 5 Idaho, 244; Burbank v. Kirby, 6 Idaho, 210.

Here no declaration was made and filed for record until a month after Stump’s petition in bankruptcy was filed and he was adjudged a bankrupt. A declaration was then made and filed by his wife for their joint benefit. Whether in these circumstances there was such a right to a homestead exemption as could be recognized and allowed in the bankruptcy proceeding is the question for decision.

The District Court gave an affirmative answer in deference to the decision of the Circuit Court of Appeals for[*312] that circuit in Brandt v. Mayhew, 218 Fed. 422, a case arising in California, in which it was held, one judge dissenting, that a bankrupt is not precluded from claiming a homestead as exempt merely because, when the petition in bankruptcy is filed, he has not done all that is required by the state law to entitle him to the exemption, but may rightfully demand that the exemption be allowed where he has met the requirements of the state law within a reasonable time after the filing of the petition. The Circuit Court of Appeals adhered to that decision, and therefore sustained the action of the District Court. Other courts in which the question has arisen have regarded the bankruptcy law as meaning that the right to such an exemption must be tested by the situation existing when the petition in bankruptcy is filed, and have held that where the land is not then exempt under the state law it passes to the trustee for the benefit of the creditors. In re Youngstrom, 153 Fed. 98; Edgington v. Taylor, 270 Fed. 48; In re Lehfeldt, 225 Fed. 681.

The bankruptcy law does not directly grant or define any exemptions, but directs, in § 6, that the bankrupt be allowed the exemptions “ prescribed by the State laws in force at the time of the filing of the petition ”; — in other words, it makes the state laws existing when the petition is filed the measure of the right to exemptions. It further provides that a voluntary bankrupt shall claim the exemptions to which he is entitled in a schedule filed “ with the petition,” and an involuntary bankrupt shall claim his in a schedule filed within ten days after the adjudication, unless further time be granted, § 7, cl. 8; that the trustee shall set apart the exempt property and report the same to the court as soon as practicable after his appointment, § 47a, cl. 11; that the trustee shall be vested by operation of law with the title of the bankrupt to all property, in so far as it is not exempt, which “ prior to the filing of the petition ” he. could by any means have trans[*313] ferred or which'might have been levied upon and sold under judicial process, § 70a; and that the bankrupt shall be given a discharge releasing him from debts owing “ at the time of the filing of the petition,” §§17 and 63.

These and other provisions of the bankruptcy law show that the point of time which is to separate the old situation from the new in the bankrupt’s affairs is the date when the petition is filed. This has been recognized in our decisions. Thus we have said that the law discloses a purpose “ to fix the line of cleavage ” with special regard to the conditions existing when the petition is filed, Everett v. Judson, 228 U. S. 474, 479, and that — “ It is then that the bankruptcy proceeding is initiated, that the hands of the bankrupt and of his creditors are stayed and that his estate passes actually or potentially into the control of the bankruptcy court.” Bailey v. Baker Ice Machine Co., 239 U. S. 268, 275; Acme Harvester Co. v. Beekman Lumber Co., 222 U. S. 300, 307. When the law speaks of property which is exempt and of rights to exemptions it of course refers to some point of time. In our opinion this point of time is the one as of which the general estate passes out of the bankrupt’s control, and with respect to which the status and rights of the bankrupt, the creditors and the trustee in other particulars are fixed. The provisions before cited show — some expressly and others impliedly — that one common point of time is intended and that it is the date of the filing of the petition. The bankrupt’s right to control and dispose of the estate terminates as of that time, save only as to “ property which is exempt,” § 70a. The exception, as its words and the context show, is not of property which would or might be exempt if some condition not performed were performed, but of property to which there is under the state law a present right of exemption — one which withdraws the property from levy and sale under judicial process.

[*314] The land in question here was not in that situation when the petition was filed. It was not then exempt under the state law, but was subject to levy and sale. One of the conditions on which it might have been rendered exempt had not been performed. Under the state law the fact that the other conditions were present did not suffice. The concurring presence of all was necessary to create a homestead exemption.

Decree reversed.