Alabama Bankruptcy Exemptions

Exemptions for Alabama Bankruptcy Forms FEDERAL BANKRUPTCY EXEMPTIONS ARE NOT AVAILABLE All law references are to Alabama Bankruptcy Code.
ASSET	EXEMPTION	LAW PROVISION
HOMESTEAD	Real property or mobile home to $5,000; property cannot exceed 160 acres (husband and wife may double)	6-10-2
	Must record homestead declaration before attempted sale of home	6-10-20
INSURANCE	Annuity proceeds or avails to $250 per month	27-14-32
	Disability proceeds or avails to an average of $250 per month	27-14-31
	Fraternal benefit society benefits	27-34-27
	Life insurance proceeds or avails if beneficiary is insured’s spouse or child	6-10-8
	Life insurance proceeds or avails if beneficiary is wife of insured	27-14-29
	Life insurance proceeds or avails is clause prohibits proceeds from being used to pay beneficiary’s creditors	27-15-26
	Mutual aid association benefits	27-30-25
MISCELLANEOUS	Property of business partnership	10-8-72 (b)(3)
PENSIONS	Judges (only payments being received)	12-18-10 (a), (b)
	Law enforcement officers	36-21-77
	State employees	36-27-28
	Teachers	16-25-33
PERSONAL PROPERTY	Books	6-10-6
	Burial Plots	6-10-5
	Church pew	6-10-5
	Clothing needed	6-10-6
	Family portraits or pictures	6-10-6
PUBLIC BENEFITS	Aid to blind, aged, disabled, AFDC	38-4-8
	Coal miner’s pneumoconiosis benefits	25-5-179
	Crime victim’s compensation	15-23-15(e)
	Southeast Asian War POW’s benefits	31-7-2
	Unemployment compensation	24-4-140
	Workers’ compensation	25-5-86(b)
TOOLS OF TRADE	Arms, uniforms, equipment that state military personnel are required to keep	31-2-78
WAGES	75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors	6-10-7
WILD CARD	$3,000 of any personal property, except life insurance (In re Morris, 30 B.R. 392 (N.D. Ala. 1983)	6-10-6

  Alabama Bankruptcy Courts

See the list below for Bankruptcy Courts by District. Click on the District link to go directly to that Bankruptcy Court's web site.

BANKRUPTCY COURTS	NUMBER OF COPIES
Middle District of Alabama Montgomery Division Post Office Box 1248 One Church Street Ground Floor Suite 127 Lee Street Montgomery, AL 36102 Telephone: (334) 954-3800	Original
Northern District Southern Birmingham Division 1800 5th Avenue North Room 120 Birmingham, AL 35203 Telephone: (205) 714-4000 Eastern Division Anniston 103 U.S. Courthouse 12th and Noble Street PO Box 2008 Anniston, AL 36201 Telephone: (256) 741-1500 Northern Division Decatur P.O. Box 2748 400 Well Street Decatur, AL 35602-1289 Telephone: (256) 584-7900 Western Division Tuscaloosa P.O. Box 3226 (35401) Federal Courthouse, Rm. 348 1118 Greensboro Avenue Tuscaloosa, AL 35403-3226 Telephone: (205) 561-1600	Chapter 7  orig. & 2 copies Chapter 13 orig & 1 copy
Southern District P.O. Box 2865 (36652) 201 St. Louis Street Mobile, AL 36602 Telephone: (251) 441-5391	Original

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