- In Pennsylvania, you may use the Federal Bankruptcy exemption set instead of the state guidelines if you choose to do so. These are a federally mandated set of guidelines that cover exemptions that are used by some, but not all, states as a default set of guidelines.
Homestead Exemption
- There is no homestead exemption in the state of Pennsylvania, however, tenancy held in entirety may be exempt against debts owed by one spouse.
Insurance Exemption
- Accident or disability benefits
- No-fault car insurance benefits
- Fraternal benefit society benefits
- Group life insurance proceeds if clause prohibits used to pay creditors
Pensions for city, county, municipal & public employees, police officers and teachers, ERISA. Veteran’s benefits. Unemployment compensation. Worker’s compensation.
Personal Property
- Bibles, schoolbooks & sewing machine
- Clothing
- Uniform & accessories
- Any personal property to $300
