Ohio State Exemption List

Only State Exemptions Allowed

In the state of Ohio you are not allowed to use the federal bankruptcy exemptions and will only be allowed to use the State of Ohio Bankruptcy Exemptions. There may be certain federal supplemental exemptions you can use. All exemptions should be discussed with your Ohio Bankruptcy Attorney.

Ohio has created bankruptcy exemptions to allow you to maintain enough public benefits, wages, personal property and insurance to start over after filing bankruptcy in Ohio. There may be certain residency requirements to use the Ohio state exemption list.

The following table will outline the Ohio State Exemptions. Many of your assets may not have a matching exemption.

Exemptions Exemption Amount Statutes
Homestead

Real or personal property used as residence to $5000

Property held as tenancy by the entirety may be exempt against debts owed by only one spouse

2329.66(A) (1) (b)
In re Thomas, 14 B.R. 423

(N.D. Ohio 1981)
Tools of Trade

Implements, books & tools of trade to $750

Seal, official register of notary public
2329.66(A) (5)
2329.66(A) (15), 147.04

Personal Property

Jewelry must be counted toward the $1500/$2000 totals

Animals, crops, books, musical instruments, appliances, household goods, furnishings, hunting & fishing equipment & firearms to $200 per item, $1500 total ($2000 if no homestead claimed)

Beds, bedding & clothing to $200 per item

Burial plot

Cash, money due within 90 days, bank & security deposits & tax refund to $400 total (spouse without income can’t exempt tax refund, In re Smith, 77 B.R. (N.D. Ohio 1987)

Cooking unit & refrigerator to $300 each

Health aids

Jewelry to $200 per item (1 item may be to $400)

Lost future earnings needed for support, received during 12 months before filing

Motor vehicle to $1000

Personal injury recoveries to $5000 (not to include pain & suffering), received during 12 months before filing

Wrongful death recoveries for person debtor depended on, needed for support, received during 12 months before filing
2329.66(A) (4) (b), (d)
2329.66(A) (3)
517.09, 2329.66(A) (3)
517.09, 2329.66(A) (8)
2329.66(A) (3)
2329.66(A) (7)
239.66(A) ( c), (d)
2329.66(A) (12) (d)
2329.66(A) (2) (b)
2329.66(A) (12) ( c)
2329.66(A) (12) (b)
Insurance

Benevolent society benefits to $5000

Disability benefits to $600 per month

Fraternal benefit society benefits

Group life insurance policy or proceeds

Life, endowment or annuity contract avails for your spouse, child or dependent
Life insurance proceeds for a spouse

Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors
2329.63, 2329.66(A) (6) (a)
2329.66(A) (6) (e), 3923.19
2329.66(A) (6) (d), 3921.18
2329.66(A) (6) ( c), 3917.05
2329.66(A) (6) (b), 3911.10
3911.12
3911.14
Public Benefits

Crime victim’s compensation, received during twelve months before filing

General assistance payments

Tuition credit

Unemployment compensation

Vocational rehabilitation benefits

Workers’ compensation
2329.66(A) (12) (a), 2743.66
2329.66(A) (9) (e), 5113.03
2329.66(A) (16)
2329.66(A) (9) ( c), 4141.32
2329.66(A) (9) (a), 3304.19
2329.66(A) (9) (b), 4123.67
Miscellaneous

Alimony, child support needed for support

Property of business partnership
2329.66(A) (11)
1775.24, 2329.66(A) (14)
Wages Minimum 75% of earned but unpaid wages due for 30 days; bankruptcy judge may authorize more for low-income debtors 2329.66(A) (13)
Wild Card $400 of any property 2329.66(A) (17)
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