New Brunswick – Exempt Property 뉴브런즈윅 주 면제재산 및 면제금액
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Exempt Property 면제재산 종류 |
Limit ($) 면제금액 (최대) |
Descriptions 면제재산 보기 |
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Food and fuel |
3 개월분 |
식품, 연료. |
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Personal Effects 개인용품, 소지품
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Unlimited |
Clothing. 채무자 및 같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품, 그 밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰 등 개인소지품. |
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Household Furniture & Effects 가구, 가전, 살림 |
$5,000
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Furnishings and appliances. 가구, 가전, 전자제품, 부엌살림, 생활장비. (단, 고가 골동품 가구는 비면제재산). |
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Motor Vehicle (One) 차량 한대 |
$6,500
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Car, truck, etc. 일인당 한대의 자동차 또는 트럭 등. |
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Principal Residence 부동산 순자산 (Equity) |
None |
주택, 콘도 소유주 일인당의 홈에퀴디 금액 ‘제로’. |
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Tools of Trade 사업장비, 기구 |
$6,500
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Ordinarily use for personal, business, profession 주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 등. |
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Health Aids 의료기구 |
Unlimited |
Wheelchairs, walking devices, hearing aids, etc. See Below. 채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자, 그 밖에 이에 준하는 신체보조기구 및 의료기구. |
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Pensions & RRSPs 연금과 은퇴적금 |
Almost |
Most pension plans and RRSPs (excluding recent contributions in 12 months). 대부분 연금, 은퇴적금 (단, 지난 12개월 이내에 불입한 RRSPs 제외). |
1. Food and fuel: three months’ supply.
2. Clothing: no dollar limit.
3. Household furniture and appliances: up to $5,000 (more in some cases).
4. One motor vehicle (needed for occupation): up to $6,500 (more in some cases).
5. Health aids: no dollar limit.
6. Tools of your trade: up to $6,500.
7. Principal residence: none.
8. Farm property: farm animals to specified limits, their feed for 6 months, and seeds to specified limits.
9. Seed grain and potatoes required for seeding and planting purposes to the following quantities: forty bushels of oats, ten bushels of barley, ten bushels of buckwheat, ten bushels of wheat and thirty-five barrels of potatoes
10. Two horses and sets of harness, two cows, ten sheep, two hogs and twenty fowl, and food therefore for six months.
11. Items needed for religious services.
12. Pets.
13. Pension plans.
14. RRSPs:
Effective July 7, 2008 exemptions are in effect for all registered retirement savings plans (RRSP's, RRIF's and DPSP's (Deferred Profit Sharing Plans).
Except, contributions made in the 12 months prior to the date of bankruptcy will be recovered (clawed back) for the benefit of the bankruptcy estate for RRSPs in provinces without RRSP exemption laws (BC, Alberta, Ontario, NB, and NS);
There will be no upper cap on the amount of RRSPs that can be protected;
There will be no need to set up the RRSPs in a locked in plan to make them eligible for exemption;
The court will have no jurisdiction to extend the one year claw back period in an appropriate case.
Statute: Read the Memorials and Executions Act and the Personal Property Security Act.
We strongly recommend that you contact our Financial Restructuring Specialist to review your personal situation and determine what you can keep if you file for bankruptcy or proposal in New Brunswick.
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※ [저작권자©ZeroDebt Canada Inc. (주)캐나다채무청산희망플러스. 무단복제 및 전재-재배포 금지] 상기의 본문은 일반적인 교육 목적으로만 제공되었으며 법적 조언이 아닙니다. 본인의 상황에 맞는 구체적 조언을 받기 위해서는 반드시 사전 선임 retainer 를 통해서 상담을 하시기 바랍니다. Disclaimer: This is not intended as legal advice. This is offered for informational purposes only. 법무사 SUNNIE JUNG Licenced Paralegal | Financial Restructuring Specialist | info@zero-debtcanada.com 1.888.510.ZERO (9376) | 647.560.HOPE (4673) | www.zero-debtcanada.com | www.facebook.com/ZeroDebtCanada | www.4debtors.ca |