New Hampshire Bankruptcy Exemptions

This list of exemptions updated December 2009. All law references are to New Hampshire Revised Statutes Annotated unless otherwise noted. Federal Bankruptcy Exemptions are allowed in New Hampshire.

Homestead

480:1 - Real property, or manufactured home, up to $100,000.

Personal Property

511:2 - Clothing; beds, bedding and cooking untensils; furniture up to $3,500; Refrigerator, cooking stove, and heating stove; sewing machine; provisions and fuel up to $400; books up to $800; 1 hog and 1 pig, or pork if already slaughtered; 6 sheep and their fleeces; 1 cow, and hay up to 4 tons; domestic fowls up to $300; church pew; automobile up to $4,000; jewelry up to $500; any property up to $1,000; and burial plot or lot: Also up to $7,000 in any property for any unused amounts allowed for tools of trade,jewelry, furniture, books, food & fuel, or motor vehicle.

512:21 - Proceeds for lost or destroyed exempt property.

Wages

512:21 - Earned but unpaid wages of debtor and spouse; payroll account deposits when designated as such; 50 times the federal minimum hourly wage per week; jury and witness fees; wages of a minor child.

Pensions

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

100A:26 - Public employees.

103:18 - Police officers.

102:23 - Firefighters.

512:21 - Federally created pensions accruing.

512.2 - ERISA-qualified, IRA and Roth IRA retirement accounts.

Public Benefits

167:25 - Public assistance; aid to blind, aged, and disabled.

281A:52 - Workers' compensation.

282A:159 - Unemployment compensation.

Tools of Trade

511:2 - Tools of trade up to $5,000; arms, uniforms, and equipment of a military member; 1 yoke of oxen or horse needed for farming or teaming.

Insurance

402:69 - Firefighters' aid insurance.

418:17 - Fraternal benefit society benefits.

512:21 - Homeowners' insurance proceeds up to $5,000.

Miscellaneous

304A:25 - Business partnership property.

Other - Add any applicable Federal Nonbankruptcy Exemptions

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