Florida Exemptions


  • 160 acres outside a municipality or one half acre in a municipality, including a mobile home or modular home used as a residence. Unlimited value subject to the provisions of BAPCPA.


  • Retirement benefits - Public employees-100%
  • Retirement benefits - county and state officers and employees-100%
  • Retirement benefits - Firemen-100%
  • Retirement benefits - Police-100%
  • Pension money of U.S. pensioner: 3 months if needed for support
  • Retirement, profit-sharing, stock bonus plans, annuities qualified under IRS 1986-100%
  • Retirement benefits - Teachers-100%


  • $1,000 of equity in one automobile per debtor


  • $1,000 of personal property per debtor


  • $4,000 of personal property per debtor (effective 07/01/2007)


  • Government employee benefits – 100%
  • Health insurance - public employees – 100%


  • Disposable earnings-head of family earning <= $500/week-100%
  • Disposable earnings-head of family earning > $500/week: greater of 75% or 30 X federal minimum wage
  • Disposable earnings: non-head of family: greater of 75% or 30 X federal minimum wage
  • Wages, travel expenses, or unemployment compensation payments under § 222.15 (travel expenses shall not exceed $300)
  • Unemployment Compensation Benefits - 100% except for support obligations


  • Life Insurance proceeds-100%
  • Life Insurance policies - cash surrender value or proceeds of annuity contracts-100%


  • Disability benefits-100%
  • Health aids, professionally prescribed-100%
  • Social Security, Public Assistance Benefits – 100%
  • Veteran's Benefits - 100%
  • Workers' compensation benefits – 100%
  • Damages for injury or death at work, hazardous occupations -100%


  • Alimony, child support - amount reasonably necessary
  • FL Prepaid College Trust Fund/Medical Savings Account -100%
  • Earned Income Tax refunds or credits; does not apply to debts owed for child or spousal support
  • Pre-need Funeral Contract Consumer Protection Trust Fund-100%
  • Partner's Interest in Partnership Property – 100%
  • Fraternal Benefit Society Benefits - 100%
  • Crime victim's compensation - 100%
Bankruptcy Law Network - Exemptions In Bankruptcy
Client Reviews
I was provided with a free consultation and was given great advice. I would definitely recommend Chip Parker to anyone who needs assistance with financial law. Meagan
Chip's law firm helped me through the bankruptcy process with ease. The staff was always willing to answer questions and ensured that their answers were provided in a timely manner. A great firm to represent you. Kevin
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