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개인파산/자주하는 질문 (FAQ)

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.    

 

(2015 12 1일 변경)

Exempt Property

면제재산 종류

Limit ($)

면제금액 (최대)

Descriptions

면제재산 보기

Personal Effects

개인용품소지품

 

Unlimited

Clothing.

채무자  같이 사는 가족들의 생활에 필요한 의복신발개인용품 밖의 생활필수품시계반지목걸이노트북컴퓨터스마트폰  개인소지품.

Household Furniture & Effects

가구가전살림

$13,150

Furnishings and appliances; utensils, equipment, food, fuel.

가구가전제품부엌살림생활장비조명기구식품연료

(고가 골동품 가구는 비면제재산).

Motor Vehicle (One)

차량 한대

$6,600

Car, truck, etc.

일인당 한대의 자동차 또는 트럭 .

Principal Residence (Owned)

부동산콘도건물

$10,000


(예외적용)

거주지의 Home equity $10,000 초과하지 않는 경우 ($10,000 미만), 면제 대상재산. 반대로 $10,000  이상은 비면제대상재산. 주의: Cottage Rental Property 같은 비거주지의 부동산 재산은 비면제대상.  (2015 12 1 변경).


House, condo; per registered owner. 주택콘도등 소유주 일인당의  에퀴디에 적용.

Tools of Trade

사업장비기구

$11,300

Ordinarily use for personal, business, profession

$29,100 for farmers.

주로 개인직업비지니스에 필요한 장비설비기계 .

Life Insurance

생명보험

 

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 안경보청기의치의수족지팡이장애보조용 바퀴의자외에 이에 준하는 신체보조기구  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 (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.

 

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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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