온타리오 (ON) 회생파산시 면제재산 종류와 범위 - Bankruptcy Exemptions in Canada

Ontario – Exempt Property   온타리오주 면제재산 및 면제금액

 

Ontario dollar limits are as prescribed December 1, 2015. Limit amounts will be indexed with inflation.    

 

(2015년 12월 1일 변경)

Exempt Property 면제재산 종류	Limit ($) 면제금액 (최대)	Descriptions 면제재산 보기
Personal Effects 개인용품, 소지품	Unlimited	Clothing. 채무자 및 같이 사는 가족들의 생활에 필요한 의복, 신발, 개인용품, 그 밖의 생활필수품, 시계, 반지, 목걸이, 노트북, 컴퓨터, 스마트폰 등 개인소지품.
Household Furniture & Effects 가구, 가전, 살림	$13,150	Furnishings and appliances; utensils, equipment, food, fuel. 가구, 가전제품, 부엌살림, 생활장비, 조명기구, 식품. 연료 (단, 고가 골동품 가구는 비면제재산).
Motor Vehicle (One) 차량 한대	$6,600	Car, truck, etc. 일인당 한대의 자동차 또는 트럭 등.
Principal Residence (Owned) 부동산: 집, 콘도, 건물	$10,000 (예외적용)	거주지의 Home equity 가 $10,000 을 초과하지 않는 경우 ($10,000 미만), 면제 대상재산. 반대로 $10,000  이상은 비면제대상재산. 주의: Cottage및 Rental Property와 같은 비거주지의 부동산 재산은 비면제대상.  (2015년 12월 1일 변경). House, condo; per registered owner. 주택, 콘도등 소유주 일인당의 홈 에퀴디에 적용.
Tools of Trade 사업장비, 기구	$11,300	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	None	Wheelchairs, walking devices, hearing aids, etc. 채무자등의 일상생활에 필요한 안경, 보청기, 의치, 의수족, 지팡이, 장애보조용 바퀴의자, 그외에 이에 준하는 신체보조기구 및 의료기구.
Pensions and RRSPs 연금과 은퇴적금	Almost	Most pension plans, certain types of life insurance policies, and RRSPs (excluding recent contributions in 12 months). 대부분의 은퇴적금 (단, 지난 12개월 이내에 불입한 RRSPs 제외).

1.    Household furniture, appliances: up to $13,150.

2.    Clothing: unlimited.

3.    One motor vehicle: up to $6,600.

4.    Tools of your trade: up to $11,300. In the case of a farmer: up to $29,100.

5.    Principal residence: $10,000.

6.    Health aids: none.

7.    Most pension plans, certain types of life insurance policies, and RRSPs (excluding recent 12-months’ contributions).

8.    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 period in an appropriate case.

 

Statute: Read the Executions Act.

Exemption amounts for Ontario bankruptcy have changed a number of times over the last few years. 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 Ontario.

 

※     [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