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| Attention: All 94-bankruptcy
districts charge the same filing fees. Chapter 7: $306 Chapter 13: $281 |
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OREGON EXEMPTION LISTHow to use this table of exemptions, by Attorney Thomas A. Prediletto. The following is a summary of the Oregon 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 Oregon 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 Oregon exemption list and amounts available, click here or scroll down the page. To view Oregon Codes, visit Justia US Laws - Oregon Code. |
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| Description | LAW |
Max Individual Amount |
Max Joint Amount |
| Alimony, Child Support | ORS § 18.345(1)(i) | UNLIMITED | |
| Ambulance Service Financial Responsibility Deposits | ORS § 682.117 | UNLIMITED | |
| Annuity Policy Benefits | ORS § 743.049 | UNLIMITED | |
| Any Personal Property | ORS § 18.345(1)(o) | $400.00 | $800.00 |
| Benefits To Injured Trainees & Inmates | ORS § 655.530 | UNLIMITED | |
| Bodily Injury Payments | ORS § 18.345(1)(k) | $10,000.00 | $20,000.00 |
| Books, Pictures, & Musical Instruments | ORS § 18.345(1)(a) | $600.00 | $1,200.00 |
| Burial Lots | ORS § 65.870 | UNLIMITED | |
| Certain Building Materials | ORS § 87.075 | UNLIMITED | |
| Clients’ Trust Account Funds (Real Estate) | ORS § 696.241 | UNLIMITED | |
| Crime Victims Reparation Awards | ORS § 18.345(1)(j) | UNLIMITED | |
| Disposable Earnings | ORS § 18.385 | UNLIMITED | |
| Domestic Animals & Poultry - Family Use | ORS § 18.345(1)(e) | $1,000.00 | $1,000.00 |
| Earned Income Tax Credit | ORS § 18.345(1)(n) | UNLIMITED | |
| Earnings & Benefits When Deposited in Account of Debtor | ORS § 18.348 | $7,500.00 | $15,000.00 |
| Escrow Funds (Real Estate) | ORS § 696.579 | UNLIMITED | |
| Fraternal Benefit Society Benefits | ORS § 748.207 | UNLIMITED | |
| Future Earnings Compensation | ORS § 18.345(1)(l) | UNLIMITED | |
| Health & Disability Benefits | ORS § 743.050 | UNLIMITED | |
| Health Aids | ORS § 18.345(1)(h) | UNLIMITED | |
| Homestead | ORS § 18.395, 402 | $40,000.00 | $50,000.00 |
| Household Furnishings | ORS § 18.345(1)(f) | $3,000.00 | $3,000.00 |
| Lands Of Cemetery/Crematory Corporation | ORS § 65.855 | UNLIMITED | |
| Life Insurance Proceeds | ORS § 743.046 | UNLIMITED | |
| Life Insurance Proceeds - Group | ORS § 743.047 | UNLIMITED | |
| Liquor Licenses | ORS § 471.292 | UNLIMITED | |
| Manufactured Dwelling Or Floating Home & Land | ORS § 18.395 | $40,000.00 | $50,000.00 |
| Monies In Qualified Tuition Savings Programs | ORS § 348.863 | UNLIMITED | |
| Motor Vehicle | ORS § 18.345(1)(d) | $3,000.00 | $6,000.00 |
| Pension/Retirement Benefits | ORS § 18.358 | UNLIMITED | |
| Provisions & Fuel For 60 Days | ORS § 18.345(1)(f) | UNLIMITED | |
| Public Assistance Grants | ORS § 411.760, 414.095 | UNLIMITED | |
| Public Employee’s Retirement System Benefits | ORS § 238.445 | UNLIMITED | |
| Rifle Or Shotgun & 1 Pistol | ORS § 18.362 | $1,000.00 | $2,000.00 |
| Rights Under Repealed Public Employees Retirement Act | ORS § 237.980 | UNLIMITED | |
| Tools Of Trade - Tools, Implements | ORS § 18.345(1)(c ) | $3,000.00 | $6,000.00 |
| Trust Account Funds (Debt Consolidation Agency) | ORS § 697.722 | UNLIMITED | |
| Unemployment Compensation Benefits | ORS § 657.855 | UNLIMITED | |
| Veteran’s Benefits and Loans | ORS § 18.345(1)(m) | UNLIMITED | |
| Veteran's State Loan Funds | ORS § 407.595 | UNLIMITED | |
| Vocational Rehabilitation Payments | ORS § 344.580 | UNLIMITED | |
| Wages Held - Bond Savings Account | ORS § 292.070 | UNLIMITED | |
| Wearing Apparel, Jewelry & Personal Items | ORS § 18.345(1)(b) | $1,800.00 | $3,600.00 |
| Workers Benefits, Emergency Service | ORS § 401.405 | UNLIMITED | |
| Workmen's Compensation Benefits | ORS § 656.234 | UNLIMITED |
