Non-Bankruptcy Exemptions

Federal Non-Bankruptcy  Exemptions

You are allowed to take the federal non-bankruptcy exemptions if you choose, or are required, to take your state’s exemptions. So, if you take federal exemptions, you cannot use these exemptions.

Real Estate: No exemption for real estate

100% of the following:

Personal Property: Savings account deposits while on permanent military duty outside the US; seamen’s clothing

Pensions: Civil service employees; foreign service employees; military honor roll pensions; military service employees; social security; veterans benefits; veterans medal of honor benefits

Benefits: Government employee death and disability benefits; harbor workers death and disability benefits; judges survivor benefits; judicial center directors survivor benefits; lighthouse workers survivor benefits; longshoremen death and disability benefits; military service survivor benefits; Supreme Court Chief Justice administrators survivor benefits; U.S. court directors survivor benefits; war hazard death or injury compensation

Insurance: Railroad worker’s unemployment insurance

Miscellaneous: Klamath Indian tribe benefits

Wages: Seamen wages

75% of the following:

Wages: earned but unpaid

Note that the judge has the ability to allow more for low-income debtors