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개인파산/자주하는 질문 (FAQ)

[준주] 노스웨스트 테리토리 (NT) 회생파산시 면제재산 종류와 범위 Bankruptcy Exemptions in Northwest Territories

Northwest Territories (NWT) – Exempt Property


노스웨스트 준주 면제재산 및 면제금액

 

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Food and fuel

12 months’

supply

식품, 연료: 향후 12개월간 공급분

Personal Effects

개인용품, 소지품

 

Unlimited

Clothing.

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

Household Furniture & Effects

가구, 가전, 살림

$5,000

 

Furnishings and appliances; utensils, equipment.

가구, 가전, 전자제품, 부엌살림, 생활장비.

(, 고가 골동품 가구는 비면제재산).

Motor Vehicle

차량 한대

$6,000

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence

부동산 순자산 (Equity)

$50,000

Principal residence (including a mobile home) per name on title. 모바일홈을 포함한 주거주 주택, 건물의 실소유주 일인당 홈에퀴디 금액 (캐나다 전체주 가운데 가장 높은 부동산 면제금액).

Tools of Trade

사업장비, 기구

$12,000

Ordinarily use for personal, business, profession

주로 개인, 직업, 비지니스에 필요한 장비, 설비, 기계 .

Hunting Tools

 

$15,000

사냥도구.

Health Aids

의료기구

Unlimited

Wheelchairs, walking devices, hearing aids, etc.

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

RRSPs

은퇴적금

All

All retirement savings plans: RRSPs, RRIFs, DPSPs & Pensions. (Excluding recent contributions in 12 months).

모든 은퇴적금 (, 지난 12개월 이내에 불입한 것은 면제재산에서 제외).

 

1.    Food and fuel: twelve months’ supply.

2.    Clothing: unlimited.

3.    Household furniture and appliances: up to $5,000.

4.    Tools of the trade: up to $12,000.

5.    Hunting tools: up to $15,000.

6.    Principal residence: up to $50,000 (including a mobile home) per name on title.

7.    One motor vehicle up to $6,000

8.    Health aids: unlimited.

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

10.  All registered retirement savings plans (RRSP’s, RRIF’s and DPSP’s (Deferred Profit Sharing Plans).

§  There will be no upper cap on the amount of RRSPs that can be protected however 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 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.

 

The above exemptions for the territories do not apply if:

§  You are behind on child or spousal support payments.

§  You have absconded or are about to abscond from territories leaving no spouse or family behind.

 

Statute: Read the NWT Exemptions 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.

 

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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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