Pennsylvania Bankruptcy Exemptions

AssetsExemptionState Statutes
     
Homestead None; however, property held as tenancy by the entirety may be exempt against debts owed by only one spouse. In re Martin, 259 B.R. 119 (M.D. Pa. 2001)  
     
Tenancy by Entirety Property held as tenancy by the entirety may be exempt against debts owed by only one spouse. In re Martin, 259 B.R. 119 (M.D. Pa. 2001)
     
Insurance Accident or disability benefits.  42 Pa. Cons. Stat. Ann. § 8124 (c)(7)
  Fraternal benefit society benefits. 42 Pa. Cons. Stat. Ann. § 8124 (c)(1),(8)
  Group life policy or proceeds. 42 Pa. Cons. Stat. Ann. § 8124 (c)(5)
  Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month. 42 Pa. Cons. Stat. Ann. § 8124 (c)(3)
  Life insurance and annuity proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors. 42 Pa. Cons. Stat. Ann. § 8124 (c)(4)
  Life insurance annuity policy cash value or proceeds if beneficiary is insured’s dependent, child or spouse. 42 Pa. Cons. Stat. Ann. § 8124 (c)(6)
  No-fault automobile insurance proceeds. 42 Pa. Cons. Stat. Ann. § 8124 (c)(9)
     
Misc. Property of business partnership.  15 Pa. Cons. Stat. Ann. § 8342
     
Pensions & Retirement Savings City employees. 53 Pa. Cons. Stat. Ann. § 13445
53 Pa. Cons. Stat. Ann. § 23572
53 Pa. Cons. Stat. Ann. § 39383
42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(iv)
  County employees. 16 Pa. Cons. Stat. Ann. § 4716
  Municipal employees. 53 Pa. Cons. Stat. Ann. § 881.115
42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(vi)
  Police officers. 53 Pa. Cons. Stat. Ann. § 764
53 Pa. Cons. Stat. Ann. § 776
53 Pa. Cons. Stat. Ann. § 23666
42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(iii)
  Private retirement benefits (IRAs, etc.) to extent tax-deferred, if clause prohibits proceeds from being used to pay beneficiary’s creditors; exemption limited to deposits of $15,000 per year made at least 1 year before filing (limit does not apply to rollovers from other exempt funds or accounts). 42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(vii), (viii),(ix)

Public school employees. 24 Pa. Cons. Stat. Ann. § 8533
42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(i)

State employees. 71 Pa. Cons. Stat. Ann. § 5953
42 Pa. Cons. Stat. Ann. § 8124 (b)(1)(ii)
     
Personal Property Bibles and schoolbooks. 42 Pa. Cons. Stat. Ann. § 8124 (a)(2)
  Clothing. 42 Pa. Cons. Stat. Ann. § 8124 (a)(1)
  Military uniforms and accoutrements. 51 Pa. Cons. Stat. Ann. § 4103
42 Pa. Cons. Stat. Ann. § 8124 (a)(4)
  Sewing machines. 42 Pa. Cons. Stat. Ann. § 8124 (a)(3)
     
Public Benefits Crime victims’ compensation. 18 Pa. Cons. Stat. Ann. § 11.708
  Korean conflict veterans’ benefits. 51 Pa. Cons. Stat. Ann. § 20098
  Unemployment compensation. 43 Pa. Cons. Stat. Ann. § 863
42 Pa. Cons. Stat. Ann. § 8124 (a)(10)
  Veterans’ benefits. 51 Pa. Cons. Stat. Ann. § 20127
51 Pa. Cons. Stat. Ann. § 20098
51 Pa. Cons. Stat. Ann. § 20048
51 Pa. Cons. Stat. Ann. § 20012
  Workers’ compensation. 42 Pa. Cons. Stat. Ann. § 8124 (c)(2)
     
Tools of Your Trade Seamstress’s sewing machine. 42 Pa. Cons. Stat. Ann. § 8124 (a)(3)
     
Wages Earned but unpaid wages. 42 Pa. Cons. Stat. Ann. § 8127

Prison inmates’ wages. 61 Pa. Cons. Stat. Ann. § 1054
  Wages of victims of abuse. 42 Pa. Cons. Stat. Ann. § 8127 (f)
     
Wildcard $300 of any property, including cash, real property, securities, or proceeds from sale of exempt property. 42 Pa. Cons. Stat. Ann. § 8123

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