Homestead: real prop to...

• $50,000 if you're single
• $75,000 for families (if no other homestead)
• $100,000 if over 65 years old
• $100,000 if over 55 years old and a) single and earn less than $15,000/year or b) married and earn less than $20,000/year

Stuff

• appliances, clothing and food
• burial plot
• health aids
• Soc Sec bank deposits
• building materials up to $2,000 to build/improve
• jewelry and heirlooms up to $5,000
• motor vehicles up to $1,900 - more if commercial
• wrongful death causes of action or recoveries
• personal injury causes of action or recoveries

Insurance

• Disability or health benefits
• homeowner's insurance money for 6 months
• life insurance money if it says it can't be used to pay your creditors
• life insurance - a) matured: needed for support or b) unmatured: loan value to $4,000

Pensions

• County employees, police or firefighters
• Private retirements, including IRAs and Keoghs
• Public employees and retirement benefits

Public Benefits

• Financial aid to students
• Relocation benefits
• Unemployment benefits
• Union benefits if labor dispute
• Workers compensation

Tools of Trade

• up to $5,000 total
• double if used by both spouses used it

Misc

• Business or professional licenses (not liquor)
• Property of business partnership

Wages

• 75% of wages paid within 30 days of filing
• public employees: vacation credits (if getting them at least 75%)

Wildcard - No

Homestead

• Real or personal property used as residence to $17,425
• Unused portion of this can be used for any property
• not as fancy as other system
• more bullets over there

Stuff

• Household items up to $450 each item
• furnishings
• books
• clothing
• burial plot up to $7,500 (in place of homestead)
• health aids
• jewelry up to $1,150
• motor vehicle up to $2,775
• personal injury recoveries up to $7,500 (not including pain and suffering)
• wrongful death recoveries used for support

Insurance

• Disability benefits
• Health aids for debtor or dependent
• life insurance proceeds
• unmatured life insurance (details apply)

Pensions

• ERISA-qualified benefits needed for support

Public Benefits

• Crime victim compensation
• public assistance
• social security
• unemployment
• veterans' benefits

Tools of Trade

• up to $1,750

Misc:

• alimony needed for support
• stock bonus, pension or other fund for support
• custody needed for support

Wages - NO

Wildcard

• $450 of any property
• unused portion of homestead or burial