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.