Kansas has opted out of the federal bankruptcy exemption system. Therefore, those filing for bankruptcy must use the exemptions provided under state law. Many of the Kansas exemptions are listed below. The figures listed may be higher for married couples. 

• Homestead (equity in dwelling used as residence)
– Full value of homestead exempt
– Up to one acre if in city, up to 160 acres of farmland
• Equity in automobile
– Up to $20,000 in a vehicle used to commute to work
– Full value of any vehicle specially equipped to accommodate for disability
• Personal property
– Up to one years’ worth of furnishing, clothing, food, fuel, and supplies
– Up to $1,000 in jewelry
– Burial plot and prepaid funeral plans
• Tools of the Trade
– Up to $7,500 in professional books, furniture, instruments/equipment, and supplies
• Wages and cash
Earned income tax credit
– 75% of disposable income (limited to 30 times minimum wage)
• Insurance
– Life insurance proceeds (if they cannot be used to pay creditors)
– Cash value of life insurance policy
– Disability/illness insurance benefits
– Fraternal life insurance benefits
• Pensions
– Employee retirement benefits, including IRAs
– Federal government pensions needed for support 
– Pensions of public employees, elected officials, and judges
– Pensions of firefighters, police officers, Kansas highway patrol, school employees
– Pensions and other types of payments for illness, death, disability, age, or length of service
• Public benefits
– Unemployment benefits
Workers’ compensation
– Crime victims’ compensation
– Public assistance, AFDC
Social security
– Veterans’ benefits
• Alimony and child support
– Both alimony and child support
• Other
– Family college savings plans
– Property of a business partnership

Do I Need a Bankruptcy Lawyer?

If you are filing for bankruptcy in Kansas and have questions about how to move forward with the process, you may wish to consult a bankruptcy attorney who can offer guidance about state law and help you keep some of your property and other assets.