What Creditors Can't Take in Kansas
Money, home and vehicle exemptions that protect your property from creditors in Kansas.
Short answer: Kansas's list of exempt personal property does not include a general exemption for cash or bank deposits. Exempt federal benefits keep their protection under federal law. K.S.A. 60-2304
| Money protected in a bank account | Kansas's list of exempt personal property does not include a general exemption for cash or bank deposits. Exempt federal benefits keep their protection under federal law. Source: K.S.A. 60-2304 |
|---|---|
| Homestead exemption | No dollar limit. A homestead the owner or family lives in is exempt from forced sale up to 160 acres of farmland or 1 acre within a city or town, or a manufactured or mobile home. It is not protected from taxes, the purchase-money debt, or debts for improvements on it. Source: K.S.A. 60-2301 |
| Vehicle exemption | Up to $20,000 in one vehicle regularly used for transportation, including getting to work. There is no value limit for a vehicle designed or equipped for a person with a disability. Source: K.S.A. 60-2304(c) |
| Bankruptcy exemptions | Kansas has opted out of the federal exemptions. A Kansas debtor uses Kansas exemptions in bankruptcy, but may also exempt the property listed in 11 U.S.C. § 522(d)(10) (such as Social Security, unemployment, disability and certain retirement benefits). Source: K.S.A. 60-2312 |
More Kansas debt & collections
- Statute of Limitations on Debt in Kansas
- Wage Garnishment in Kansas
- How to Respond to a Debt Collection Lawsuit in Kansas
- All Kansas debt & collections rules
FAQ
How much money in a bank account is protected from creditors in Kansas?
Kansas's list of exempt personal property does not include a general exemption for cash or bank deposits. Exempt federal benefits keep their protection under federal law.
What is the homestead exemption in Kansas?
No dollar limit. A homestead the owner or family lives in is exempt from forced sale up to 160 acres of farmland or 1 acre within a city or town, or a manufactured or mobile home. It is not protected from taxes, the purchase-money debt, or debts for improvements on it.
Can a creditor take my car in Kansas?
Up to $20,000 in one vehicle regularly used for transportation, including getting to work. There is no value limit for a vehicle designed or equipped for a person with a disability.
Which bankruptcy exemptions can I use in Kansas?
Kansas has opted out of the federal exemptions. A Kansas debtor uses Kansas exemptions in bankruptcy, but may also exempt the property listed in 11 U.S.C. § 522(d)(10) (such as Social Security, unemployment, disability and certain retirement benefits).
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.