Georgia Bankruptcy Exemptions

Debtor's aggregate interest in real or personal property used by debtor or a dependent as residence, in cooperative owning property used by debtor or dependent as residence, or in burial plot of debtor or dependent

$21500 $43,000 if owned by 1 of 2 spouses

GA. Code Ann. § 44-13-100(a)(1)

Real or personal property (homestead)

$5,000, or $21,500 if debtor's primary residence

* GA. Code Ann. § 44-13-1

All motor vehicles

$3,500

GA. Code Ann. § 44-13-100 (a)(3)

Debtor's aggregate interest in any property

$600 plus unused portion of exemption under GCA 44-13-100 (a)(1) above not to exceed $5,000

GA. Code Ann. § 44-13-100 (a)(6)

Disposable earnings (Includes pension& retirement payments - see GA. Code Ann. § 18-4-22)

75% OR 30 times the federal minimum hourly wage per week; WHICHEVER IS GREATER

GA. Code Ann. § 18-4-20

Industrial life insurance policy

100%

GA. Code Ann. § 33-26-5

Payments on account of personal bodily injury, not including pain and suffering or compensation for actual pecuniary loss, of debtor or individual of whom debtor is a dependent

$10,000

GA. Code Ann. § 44-13-100 (a)(11)(D)

Disability insurance payments

$250/month

GA. Code Ann. § 33-29-15

Proceeds of life insurance contract insuring life of individual of whom debtor was a dependent on date of death

Amount reasonably necessary for the support of debtor and dependents

GA. Code Ann. § 44-13-100 (a)(11)©

Fraternal Benefit Society benefits

100%

GA. Code Ann. § 33-15-20 GA. Code Ann. § 33-15-62

Debtor's aggregate interest in accrued dividends or interest or loan or cash value of any unmatured life insurance contract owned by debtor wherein insured is the debtor or an individual of whom the debtor is a dependent

$2,000 less transfers described in 11 U.S.C. § 542(d)

GA. Code Ann. § 44-13-100 (a)(9)

Proceeds and avails of accident and sickness insurance policies

100%

GA. Code Ann. § 33-29-15 GA. Code Ann. § 33-30-10

Proceeds and avails of life insurance policy payable to person other than insured including cash surrender value

100%

GA. Code Ann. § 33-25-11

Any unmatured life insurance contract owned by debtor, except credit life insurance contract

100%

GA. Code Ann. § 44-13-100 (a)(8)

Group/blanket accident and sickness insurance

$250/month

GA. Code Ann. § 33-30-10

Annuity and endowment contract benefits

100%

GA. Code Ann. § 33-28-7

Group insurance

100%

GA. Code Ann. § 33-27-7

Household furnishings, household goods, wearing apparel, appliances, books, animals, crops or musical instruments, held primarily for the personal, family or household use of debtor or dependent

$300 per item, with $5,000 aggregate limit

GA. Code Ann. § 44-13-100 (a)(4)

Payments in compensation for loss of future earnings of debtor or of an individual of whom debtor is or was a dependent

Amount reasonably necessary for the support of debtor and dependents

GA. Code Ann. § 44-13-100 (a)(11)(E)

Payments on account of the wrongful death of an individual of whom the debtor was a dependent

Amount reasonably necessary for the support of debtor and dependents

GA. Code Ann. § 44-13-100 (a)(11)(B)

Professionally prescribed health aids of debtor and dependents

100%

GA. Code Ann. § 44-13-100 (a)(10)

Personal jewelry of debtor or dependents

$500

GA. Code Ann. § 44-13-100 (a)(5)

Firemen's pension benefits

100%

GA. Code Ann. § 47-7-122

Sheriff & peace officer's retirement benefits

100%

GA. Code Ann. § 47-16-122, 47-17-103

Debtor's interest in public, nonprofit, or private pension, retirement plan or individual retirement account

100% for public or nonprofit plans. Private plans subject to limits set forth in federal bankruptcy exemptions.

GA. Code Ann. § 44-13-100 (a)(2.1)

Funds and benefits of employee benefit plans subject to ERISA

100% (alimony & support claims excepted)

GA. Code Ann. § 18-4-22

Legislator retirement benefits

100%

GA. Code Ann. § 47-6-100

Retirement and pension funds and benefits

100% until distribution, then same as

GA. Code Ann. § 18-4-22

Teachers' retirement benefits

100%

GA. Code Ann. § 47-3-28, 47-4-120

State, county, and city employees' retirement benefits

100%

GA. Code Ann. § 47-2-332, 44-13-100(a)(2)(E), 47-5-71

Judges & Court employees' retirement benefits

100%

GA. Code Ann. § 47-11-91,47-12-101, 47-23-121, 47-25-101, 47-14-91,

District attorney's retirement benefits GCA § 47-12-101

100%

GA. Code Ann. § 47-12-101

Implements, professional books or tools of trade of debtor or dependent

$1,500

GA. Code Ann. § 44-13-100 (a)(7)

Workmen's compensation benefits

100%

GA. Code Ann. § 34-9-84

Awards made under crime reparation laws

100%

GA. Code Ann. § 44-13-100 (a)(11)(A)

Debtor's right to receive social security benefits, unemployment, compensation veterans' benefits, or disability, illness or unemployment benefits

100%

GA. Code Ann. § 44-13-100 (a)(2)(A),(B),©

Assistance to disabled

100%

GA. Code Ann. § 49-4-84

Blind person's benefits

100%

GA. Code Ann. § 49-4-58

Old age assistance payments

100%

GA. Code Ann. § 49-4-35

Unemployment compensation benefits

100%

GA. Code Ann. § 34-8-252

Produce, rents, or profits from exempt property

100%

GA. Code Ann. § 44-13-18

Wages of deceased employee

$2,500

GA. Code Ann. § 34-7-4

Alimony, support or maintenance payments, and payments under pension, IRA, annuity or similar plans or contracts on account of illness, disability, death, age or length of service

Amount reasonably necessary for support of debtor and dependents

GA. Code Ann. § 44-13-100 (a)(2)(D),(E),(F)