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Austin Bankruptcy - Federal Bankruptcy Exemptions

ASSET 

EXEMPTION 

LAW 

homestead 

Real property, including co-op or mobile home, or burial plot to $18,450; unused portion of homestead to $9,250 may be applied to any property 

(d)(1) 

personal property 

Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $475 per item, $9,850 total 

Health aids 

Jewelry to $1,225 

Lost earnings payment 

Motor vehicle to $2,950 

Personal injury recoveries to $17,425 (not to include pain & suffering or pecuniary loss) 

Wrongful death recoveries for person you depended on 

(d)(3) 

 

 

(d)(9) 

(d)(4) 

(d)(11)(E) 

(d)(2) 

(d)(11)(D) 

 

(d)(11)(B) 

pensions 

ERISA-qualified benefits needed for support; includes IRA 

(d)(10(E); Rousey v. Jacoway, No. 03-1407 (April 4, 2005). 347 F.3d 689 (8th Cir. 2003),  73 U.S.L.W. 31204 (U.S. Sept. 28, 2004)  (No. 03-1407)

public benefit 

Crime victims’ compensation 

Public assistance 

Social Security 

Unemployment compensation 

Veterans’ benefits 

(d)(11)(B) 

(d)(10)(A) 

(d)(10)(A) 

(d)(10)(A) 

(d)(10)(A) 

wages 

None 

 

tools of trade 

Implements, books, & tools of trade to $1,850 

(d)(5) 

insurance 

Disability, illness, or unemployment benefits 

Life insurance payments for person you depended on, needed for support 

Life insurance policy with loan value, in accrued dividends or interest, to $9,850 

Unmatured life insurance contract, except credit insurance policy 

(d)(11)(C) 

(d)(11)(C) 

 

(d)(8) 

 

(d)(7) 

miscellaneous 

Alimony, child support needed for support 

(d)(10)(D) 

 

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