Washington State Exemption List

State or Federal Exemptions Allowed

In the state of Washington you may choose either the state of Washington bankruptcy exemption list or the federal bankruptcy list. If you choose the Washington bankruptcy list, there may be certain federal supplemental exemptions you can use too. All exemptions should be discussed with your Washington Bankruptcy Attorney.

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

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

Exemptions Exemption Amount Statutes
Homestead

Real property or mobile home to $40,000 ( no limit if seeking to discharge debt based on failure to pay a state income tax assessed on retirement benefits received while a resident of Washington, 6.15.030)

Must file homestead declaration before sale of home if property unimproved or home unoccupied
6.13.010,6.13.030
6.15.040
Tools of Trade

Farm trucks, stock, tools, seed, equipment & supplies of farmer to $5000 total

Library, office furniture, office equipment & supplies of physician, surgeon, clergy or other professional to $5000 total

Tools & materials used in another’s trade to $5000
6.15.010(4) (a)
6.15.010(4) (b)
6.15.010(4) ( c)
Wages Minimum 75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors 6.27.150
Public Benefits

Child welfare

Crime victims’ compensation

General assistance

Industrial insurance (workers’ compensation)

Old-age assistance

Unemployment compensation

Child Support

74.13.070
7.68.070, 51.32.040

74.04.280
51.32.040
74.08.210
50.40.020
6.15.010(3)(d)
Miscellaneous Property of business partnership 25.04.250
Pensions

City employees

ERISA-qualified benefits

IRAs

Public employees

State patrol officers

Volunteer firefighters
41.28.200
6.15.020
6.15.020
41.40.380
43.43.310
41.24.240
Insurance

Annuity contract proceeds to $250 per month

Disability proceeds, avails or benefits

Fire insurance proceeds for destroyed exemption

Fraternal benefit society benefits

Group life insurance policy or proceeds

Life insurance proceeds or avails if beneficiary is not the insured
48.18.430
48.18.400
6.15.030
48.36A.180
48.18.420
48.18.410
Personal Property

Appliances, furniture, household goods & home yard equipment to $2700 total (no limit on any property located within Washington if seeking to discharge debt based on failure to pay a state income tax assessed on retirement benefits received while a resident of Washington, 6.15.025)

Books to $1500

Burial plots sold by nonprofit cemetery association

Clothing, no more than $1000 in furs, jewelry, ornaments

Food and fuel for comfortable maintenance

Keepsakes & pictures

One motor vehicle for each individual to $2500 total (2 motor vehicles as community property of spouses two motor vehicles to $5000 total)

Professionally prescribed health
aids

Personal bodily injury payments-

not to exceed $16,150; or payment
for loss of future earnings to the
extent reasonably necessary
6.15.010(3) (a)
6.15.010(2)
68.20.120
6.15.010(1)
6.15.010(3) (a)
6.15.010(2)
6.15.010(3) ( c)
6.15.010(3)(e)
6.15.010(3)(f)
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