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Houston Bankruptcy - Federal Bankruptcy Exemptions





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 


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 












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 









tools of trade 

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



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 








Alimony, child support needed for support 



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