Arizona Bankruptcy Exemptions

This list of exemptions updated August 2007. All law references are to Arizona Revised Statutes unless otherwise noted. Federal bankruptcy exemptions are not allowed in Arizona.

Homestead

33-1101 - Up to $150,000. Includes apartments and mobile homes; and sale proceeds up to 18 months after sale, or new home purchased, whichever occurs first. May record homestead declaration. §33-1102.

Personal Property - Subject to doubling

33-1123 - The following items up to $4,000 total: Two beds; one bed table, dresser and lamp; bedding; kitchen table and 4 chairs; dining table and 4 chairs; living room chair for each family member; couch; 3 living room tables and lamps; living room carpet or rug; refrigerator; stove; washer and dryer; one TV, radio or stereo; alarm clock; vacuum cleaner; family portraits; pictures, paintings, and drawings created by the debtor. Additional bed, and dining chair, for each additional dependent if more than 4 persons in household.

33-1124 - Food and fuel for 6 months.

33-1125 - Motor vehicle up to $5,000 (or $10,000 if disabled); clothing to $500; pets, horses, milk cows and poultry to $500; books to $250; wedding and engagement rings to $1,000; musical instruments to $250; watch to $100; health aids; and up to $500 total for bicycle, sewing machine, typewriter, burial plot, firearm and bible (only one of each may be kept).

33-1126 - Proceeds for sold or damaged exempt property; prepaid rent or security deposit to lesser of $1,000 or 1.5 times rent (only if not claiming homestead); bank deposit to $150 in one account.

Wages

33-1126 - Earnings of minor child, unless debt is for child.

33-1131 - Minimum of 75% of unpaid net wages or pension payments. Judge may allow more.

Pensions

11 U.S.C. § 522 - Tax exempt retirement accounts. Traditional and Roth IRAs up to $1,095,000 per person.

9-931 - Police officers.

9-968 - Firefighters.

15-1628 - Members of board of regents.

33-1126 - ERISA-qualified benefits, if deposited more than 120 days before filing. IRAs and Roth IRAs.

38-762 - Retirement and disability of state employees.

41-955 - Rangers.

48-227 - District employees.

Public Benefits

23-783 - Unemployment compensation.

23-1068 - Workers' compensation.

46-208 - Welfare benefits.

Tools of Trade

33-1127 - Teaching aids of a teacher.

33-1130 - Tools, equipment and books up to $2,500; Farm machinery, utensils, instruments of husbandry, feed, seed, grain and animals up to a total value of $2,500; and arms, uniforms and equipment you are required by law to keep. (Subject to doubling)

Insurance

20-877 - Fraternal benefit society benefits.

20-1131 - Life insurance proceeds if you have owned it at least 2 years and the beneficiary is a spouse or child.

20-1132 - Group life insurance policy or proceeds.

33-1126 - Life insurance proceeds if beneficiary is spouse or child, up to $20,000.

Misc.

33-1126 - Alimony or child support. Minor child's earnings if debt is not for child.

Other - Add any applicable Federal Nonbankruptcy Exemptions

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