Kansas Bankruptcy Exemption List
Many states have constructed their own list of bankruptcy exemptions. In the state of Kansas, you may only use the Kansas state exemption list. These exemptions were created to help maintain certain assets and personal property and wages to start over after the completion of your bankruptcy.
If you are planning to file bankruptcy, you should consult with a Kansas Bankruptcy Attorney to determine what exemptions are allowed in the state of Kansas. Federal supplemental exemptions may be allowed in certain states if you use the state exemptions. There may also be additional residency requirements in certain states to use the state exemption list. There may not be a matching exemption for all or your property or assets.
| Exemptions | Exemption Amount | Statutes |
|---|---|---|
| Homestead | Real property or mobile home you occupy or intend to occupy to unlimited value; property cannot exceed 1 acre in town or city, 160 acres on farm | 60-2301 Constitution 15-9 |
| Wages | Minimum 75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors | 60-2310 |
| Insurance | Fraternal life insurance benefits | 40-414(a) |
| Life insurance forfeiture value if file for bankruptcy over 1 year after policy issued | 40-414(b) | |
| Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors | 40-414(a) | |
| Pensions | Elected and appointed officials in cities with population between 120,000 and 200,000 | 13-14, 102 |
| ERISA-qualified benefits | 60-2038(b) | |
| Federal government pension needed for support and paid within 3 months of filing bankruptcy (only payments being received) | 60-20338(a) | |
| Firefighters | 12-5005(e), 14-10a10 | |
| Judges | 20-2618 | |
| Police officers | 12-5005(e), 13-14a10 | |
| Public employees | 74-4923, 74-49, 105 | |
| State highway patrol officers | 74-4978g | |
| State school employees | 72-5526 | |
| Miscellaneous | Liquor licenses | 41-326 |
| Property of business partnership | 56-325 | |
| Wildcard | None | |
| Personal Property | Burial plot or crypt | 60-2304(d) |
| Clothing to last 1 year | 60-2304(a) | |
| Food and fuel to last 1 year | 60-2304(a) | |
| Funeral plan prepayments | 16-310(d) | |
| Furnishings and household equipment | 60-2304(a) | |
| Jewelry and articles of adornment to $1,000 | 60-2304(b) | |
| Motor vehicle to $20,000; if designed or equipped for disabled persons, no limit | 60-2304(c) | |
| Burial plot or crypt | 60-2304(d) | |
| Clothing to last 1 year | 60-2304(a) | |
| Tools of the trade | Books, documents, furniture, instruments, equipment, breeding stock, seed, grain and stock to $7,500 total | 60-2304(e) |
| National Guard uniforms, arms and equipment | 48-245 | |
| Public Benefits | AFDC, general assistance, social welfare | 39-717 |
| Crime victims’ compensation | 74-7313(d) | |
| Unemployment compensation | 44-718(c) | |
| Workers’ compensation | 44-514 |
There are certain debts such as deeds of trust, taxes, and mortgages which are discharged by filing bankruptcy. Lenders may proceed with all legal debt collection efforts if you fail to pay non-dischargeable debt.
