破产中的免税财产和非免税财产

债务 是许多人难以承受的沉重负担。破产是一种常见的帮助选择 减轻财务负担

When contemplating bankruptcy, it is important that parties understand what all it entails. 豁免 ions are an important part of 的 process, and 的re are certain factors that help determine whether property does or does not fit into that category.

破产程序

破产可能有几种不同的方式,完成此过程的具体方法取决于破产的类型。但是,所有类型的破产最终都会以某种方式减少债务。尽管有些债务人允许债务人合并债务帐户,但另一些债务人有助于偿还许多债务,并提供了偿还其余债务的手段。在这两种情况下,法院都利用债务人的资产偿还债务。此过程必须符合 the 联邦破产法

非豁免

非豁免 assets are those that 的 courts include in 的 bankruptcy to liquidate and utilize to pay down debts. The courts may include some common assets in this category:

  • 中学或度假屋
  • 额外的车辆
  • 投资,股票,债券和银行账户
  • 昂贵的收藏品或工具
  • 家庭传家宝

These and other non-essential items usually fit into 的 non-exempt category. Depending on 的 situation, debtors may be able to petition for certain non-exempt items to become exempt.

豁免

Usually, assets that are essential to daily life fall into 的 exempt category. Some of 的 most common exempt assets include 的 following:

  • 交易工具
  • 必要的衣服和家具
  • 初级机动车辆
  • 公共援助福利

Along with 的se assets, a few others may be exempt. It may be beneficial to consult with an attorney to determine 的 items that are naturally exempt and those that a debtor may petition for.

This is a brief overview of exempt and non-exempt assets. 豁免 ions vary from state to state and depending on if 的 debtor is using 的 state system or federal system. For those considering bankruptcy, it is important to do 的 necessary research and select 的 most beneficial option for 的ir situation.

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