| Attention: All 94-bankruptcy
districts charge the same filing fees. Chapter 7: $299 Chapter 13: $274 |
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FLORIDA EXEMPTION LISTHow to use this table of exemptions, by Attorney Thomas A. Prediletto. The following is a summary of the Florida exemptions that can be claimed (used) to exempt both your real and personal property in a bankruptcy petition. However, if your residence has not been continuously in the state of Florida for the two years prior to filing a bankruptcy petition, there are laws that apply as to which state or federal exemptions may be used. Exempt property of a debtor is property of the debtor that is not available to be used (sold) to pay his/her unsecured creditors and is not subject to the claims of unsecured creditors, but may be subject to the rights of secured creditors and lien holders. When reviewing the list for exemptions for your own property you should be aware that there may not be a “matching” exemption. Some state exemptions contain a “wildcard” which can be used if a matching exemption cannot be found in the list of exemptions. Also, an individual must own an interest in the property to claim the property as exempt. The debtor may exempt the equity (value of property less the total amount owed against it) however; any equity value in the property above the exemption amount may be subject to the claims of unsecured creditors. By way of example, if you own a home worth $250,000 and owe a total of $200,000 against it (combining all mortgage/home equity lines of credit and/or liens against the property) the amount of equity you would need to protect is $50,000. So long as the homestead exemption is more than $50,000 the full amount of the equity is exempt and not subject to the claims of your unsecured creditors. In the alternative, say the home is worth $250,000 and you only owe $100,000 against it, anything over the exemption amount is subject to the claims of the unsecured creditors. The same type example would apply to a motor vehicle, though the exemption for a motor vehicle is less than the amount of the exemption for a home. Please note that all of the exemptions may be doubled if a married couple is filing, with the exception of the homestead exemption. To view Florida exemption list and amounts available, click here or scroll down the page. To view Florida Codes, visit Justia US Laws - Florida Code. |
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| Description | LAW |
Max Individual Amount |
Max Joint Amount |
| Alimony Child Support | FSA § 222.201, U.S.C.§ 522(d)(10)(D) | UNLIMITED | |
| Annuity Contract Proceeds | FSA § 222.14 | UNLIMITED | |
| Any Personal Property - No Benefit from Homestead Exemption | FSA § 222.25(4) | $4,000.00 | $8,000.00 |
| Benefits - Public Employee Optional Retirement Program | FSA § 121.4501 | UNLIMITED | |
| Benefits Exempt From Taxes And Execution | FSA §112.359 | UNLIMITED | |
| Benefits Payable Under The System | FSA §121.091 | UNLIMITED | |
| Church Benefit Plans And Church Benefit Board | FSA § 624.4031 | UNLIMITED | |
| Community College Optional Retirement Program | FSA § 1012.875 | UNLIMITED | |
| Coverdell Education Savings Account | FSA § 222.22 | UNLIMITED | |
| Crime Victims’ Compensation -100% | FSA §960.14 | UNLIMITED | |
| Disability Insurance Benefits-100% | FSA § 222.18 | UNLIMITED | |
| Disposable Earnings-Head of Family Earning<=$500/Week-100% | FSA § 222.11(2)(a) | UNLIMITED | |
| Disposable Earnings-Head of Family Earning>$500/Week | FSA § 222.11(2)(b) | UNLIMITED | |
| Disposable Earnings-Non-Head of Family 30x Minimum Wage | FSA § 222.11(2)(c ) | UNLIMITED | |
| Florida Retirement System Preservation Of Benefits Plan | FSA §121.1001 | UNLIMITED | |
| Fraternal Benefit Society Benefits | FSA § 632.619 | UNLIMITED | |
| Gov. Employees Deferred Comp. Benefits | FSA § 112.215 | UNLIMITED | |
| Health Aids - Prescribed | FSA § 222.25(2) | UNLIMITED | |
| Health Insurance - Retired Public Employees | FSA § 112.363(9) | UNLIMITED | |
| Homestead | Fla. Const., Art. 10, §4(a)(1), FSA §§ 222.01, 222.02 | UNLIMITED | |
| Hurricane Savings Account | FSA § 222.22 | UNLIMITED | |
| Life Insurance - Cash Surrender Value | FSA § 222.14 | UNLIMITED | |
| Life Insurance Proceeds | FSA § 222.13 | UNLIMITED | |
| Materials Furnished to Improve Real Property | FSA § 713.17 | UNLIMITED | |
| Mobile Or Modular Home | FSA § 222.05 | UNLIMITED | |
| Moneys Paid In To Or Out Of Medical Savings Account | FSA § 222.22 | UNLIMITED | |
| Motor Vehicle (One) | FSA § 222.25(1) | $1,000.00 | $2,000.00 |
| Motor Vehicle Financial Responsibility Deposits | FSA § 324.161 | UNLIMITED | |
| Optional Retirement Program For The State University System | FSA §121.35 | UNLIMITED | |
| Partner's interest in Partnership Property | FSA §620.153, 620.8307 | UNLIMITED | |
| Partnership Interest | FSA §620.8504 | UNLIMITED | |
| Payment For Injuries/Death (Hazardous Occupations) | FSA § 769.05 | UNLIMITED | |
| Pension Money Of U.S. Pensioner | FSA § 222.21(1) | UNLIMITED | |
| Personal Property | Art. 10 § 4(a)(2), FSA § 222.061 | $1,000.00 | $2,000.00 |
| Preneed Funeral Contract Consumer Protection Trust Fund | FSA §497.456 | UNLIMITED | |
| Property Listed In 11 USC 522(d)(10) | FSA § 222.201 | UNLIMITED | |
| Qualified Tuition Programs | FSA § 222.22 | UNLIMITED | |
| Retiree Health Insurance Subsidy | FSA §185.50 | UNLIMITED | |
| Retiree Health Insurance Subsidy | FSA §185.50 | UNLIMITED | |
| Retirement Benefits - Firemen-100% | FSA § 175.241 | UNLIMITED | |
| Retirement Benefits - Police-100% | FSA § 185.25 | UNLIMITED | |
| Retirement Benefits - Public Employee-10 | FSA § 121.131, 121.055 (6)(e)2 | UNLIMITED | |
| Retirement Benefits - State & City Empl. | FSA § 122.15 | UNLIMITED | |
| Retirement Benefits - Teachers-100% | FSA § 238.15 | UNLIMITED | |
| Retirement, Profit-Sharing Benefits | FSA § 222.21(2) | UNLIMITED | |
| Senior Management Service Class | FSA §121.055 | UNLIMITED | |
| Social Security, Public Assistance Benefits | FSA § 222.201, U.S.C.§ 522(d)()(10)(A) | UNLIMITED | |
| Tax refunds or Credits | FSA § 222.25(3) | UNLIMITED | |
| Unemployment Compensation Benefits | FSA § 443.051(2) | UNLIMITED | |
| Veteran's Benefits | FSA § 744.626 | UNLIMITED | |
| Wages, Travel Expenses, Unemployment Compensation Payments | FSA § 222.16 | UNLIMITED | |
| Workmen's Compensation Benefits | FSA § 440.22 | UNLIMITED |
