앨버타 (AB) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Alberta

Alberta – Exempt Property   앨버타주 면제재산 및 면제금액

 

Exempt Property 면제재산 종류	Limit ($) 면제금액 (최대)	Descriptions 면제재산 보기
Personal Effects 개인용품, 소지품	$4,000	Clothing. 채무자 및 같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품, 그 밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰 등 개인소지품.
Food 식량	12 months’ supply	Food required by the debtor and the enforcement debtor’s dependants during the next 12 months 향후 1년간 필요한 식료품비.
Household Furniture & Effects 가구, 가전, 살림	$4,000	Furnishings and appliances; utensils, equipment, fuel. 가구, 가전제품, 부엌살림, 생활장비, 조명기구, 연료 (단, 고가 골동품 가구는 비면제재산).
Motor Vehicle (One) 차량 한대	$5,000	Car, truck, etc. 일인당 한대의 자동차 또는 트럭 등.
Principal Residence 부동산: 집, 콘도, 건물	$40,000 (1인 소유)	House, condo; reduced to your share if you are a co-owner. 주택, 콘도 소유주 최대 면제 홈에퀴디 금액. 공동소유일 경우 사람수에 따라 나눔. (앨버타주는 캐나다 전국에서 부동산 면제금액이 노스웨스트 준주 다음으로 크다).
Tools of Trade 사업장비, 기구	$10,000	Ordinarily use for personal, business, profession $29,100 for farmers. 주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 등.
Life Insurance 생명보험		Exempt if preferred beneficiaries 직계가족이 수혜자 (Beneficiary)일 경우 대부분의 생명보험 (Term, Universal, Whole Life) 은 면제대상.
Health Aids 의료기구	Unlimited	Wheelchairs, walking devices, hearing aids, etc. 채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자, 그 밖에 이에 준하는 신체보조기구 및 의료기구.
RESPs & RRSPs 교육적금과 은퇴적금	보호/면제	Due to a change in provincial legislation on April 1, 2014, RESPs are exempt from seizure in a bankruptcy in Alberta.  In Ontario, they are not exempt.  In simple terms, if you go bankrupt in Ontario you lose your RESP.  In Alberta, you don't.

 

1.    Food: 12 months’ supply.

2.    Clothing: up to $4,000.

3.    Household furniture and appliances: up to $4,000

4.    One motor vehicle; up to $5,000

5.    Health aids: no dollar limit.

6.    Tools of your trade: up to $10,000.

7.    Principal residence of a debtor, including a residence that is a mobile home, up to $40,000,but if the debtor is a co-owner of the residence, the amount of the exemption allowed under the provision is reduced to an amount that is proportionate to the debtor’s. 

8.    Farm property: requirements for 12 months operations.

9.    Farm land: up to 160 acres if principal source of income is farming.

10.  Social allowance, handicap benefit or a widow’s pension if the proceeds from the payment are not intermingled with your other funds.

11.  Life insurance policies:     all life insurance policies are exempt as long as the beneficiary is a spouse child grandchild or parent of the owner of the policy.

12.  Pension plans:      these are exempt in the province of Alberta.

13.  RRSPs & RESPs: PROTECTED in Alberta. (See the above table)

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 Civil Enforcement 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 Alberta.

 

※     [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