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개인파산/자주하는 질문 (FAQ)

서스캐처원 (SK) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Saskatchewan

Saskatchewan – Exempt Property   서스캐처원 주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

Until the next

harvest

다음 추수까지의 식품, 연료.

Personal Effects

개인용품, 소지품

 

$7,500

 

Clothing.

채무자 같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품, 밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰 개인소지품.

Household Furniture & Effects

가구, 가전, 살림

$4,500

 

Furnishings and appliances. Or $10,000 for a farm.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$10,000

일인당 한대의 자동차 또는 트럭 .

Principal Residence 부동산 순자산 (Equity)

$32,000

주택, 콘도 소유주 일인당의 홈에퀴디 금액. See below.

Homestead provided it is not more than one 160 acres.

Tools of Trade

사업장비, 기구

$4,500

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Life Insurance

생명보험

Certain

Exempt if preferred beneficiaries

직계가족이 수혜자 (Beneficiary) 경우 대부분의 생명보험 (Term, Universal, Whole Life) 면제대상.

Health Aids

의료기구

None

Wheelchairs, walking devices, hearing aids, etc.

채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자, 밖에 이에 준하는 신체보조기구 의료기구.

Pensions & RRSPs 

연금과 은퇴적금

Unlimited

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions.

 

Exempt Property for Non-Farmers:

1.    Food and fuel: cash equivalent of supply until the next harvest.

2.    Clothing, including jewelry, up to $7,500 in value.

3.    Household furniture and appliances: up to $4,500 (or $10,000 for a farm).

4.    One motor vehicle (needed for occupation): no dollar limit or up to $10,000.

5.    Health aids: none.        

6.    Tools of your trade: up to $4,500.

7.    Principal residence: up to $32,000 ($64,000 if jointly owned) to a maximum of $128,000 if held by four parties.

8.    Homestead provided it is not more than one 160 acres.

9.    All retirement savings plans: RRSPs, RRIFs,  DPSPs & Pensions: Unlimited

10.  Certain life insurance policies.

11.  Pets up to a value of $2,000.

12.  Prepaid Funeral Services.

13.  Funds that were received as the result of compensation for injury.

 

Exempt Farm Property for Farmers:

1.    The cash equivalent of produce sufficient to provide food and fuel for heating until the next harvest.

2.    All livestock, farm machinery and equipment, including one car or truck, necessary for the next twelve months operations.

3.    One motor vehicle, if required for business or profession, but not in addition to the one above.

4.    Seed grain equal to two bushels per acre of land under cultivation.

5.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

6.    Cash equivalent of crop equal to:

 

§  Unpaid harvesting costs;

§  Living expenses to next harvest;

§  Necessary costs of farming until next harvest.

 

7.    Any trailer that is occupied by the farmer as living quarters and not in addition to the house and buildings already exempt.

 

Statute: Read the Exemptions Act and the Saskatchewan Farm 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 Saskatchewan.

 

 

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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     

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