Top Arizona Exemptions
Your Home
A.R.S. §33-1101
Arizona's Homestead is $414,800 in equity. Beware! There are limits and exceptions. Discuss with your attorney.
Your Vehicle
A.R.S. §33-1125(8)
Your equity in one Motor Vehicle is $15,600. You get $26,000 for a motor vehicle if you have disability placard.
Household Goods
A.R.S. §33-1123
Up to $15,600 in household goods.
Wearing Apparel
A.R.S. §33-1125
Clothing is exempt up to $500. Side note- I have never had one client lose any clothing item(s) to the Trustee.
Engagement or Wedding Ring
A.R.S. § 33-1125(4)
$2000.00
Computer
A.R.S. § 33-1125(7)
This $2000 exemption actually protects a few other assets including a bike, sewing machine and burial plot.
Food, Fuel and Provisions
A.R.S. § 33-1124
This exemption protects 100% of your food, fuel and provisions. The limit is 6 months worth.
Firearms
A.R.S. § 33-1125(10)
This exemption protects up to $2000 of firearms.
Musical Instrument
A.R.S. § 33-1125(2)
Up to $400 in musical instruments.
Household Pets
A.R.S. § 33-1125(11)
Your pets are protected 100%
Wheelchair or Mobility Device
A.R.S. § 33-1125(9)
100% exempt if professionally prescribed.
Tools of the Trade
A.R.S. § 33-1130(1)
This exemption protects up to $5000 of tools that you use in your trade. It includes websites and trade names. Doesn't include your motor vehicle.
Pre Arranged Funeral Expenses
A.R.S. § 33-1130(1)
$5000 is protected if deposited in funeral home trust account.
One Bank Account
A.R.S. § 33-1126(A)(9)
Up to $5000 in ONE bank account. For example, a Checking and Savings account at same bank you can only protect one and not the other.
Earned Income and Child Tax Credit
A.R.S. § 33-1126(A)(11)
You get to keep 100% of any portion of the refundable child or earned income tax credits. Timing will be key with this exemption. Discuss with your attorney.
Life Insurance Proceeds
ARS 33-1126(a)(4)
Up to $20,000 in life insurance paid or payable to a surviving spouse or child if they were dependent on the deceased.
More to come
More to come...
Check back soon
WARNING! - Not all individuals who file bankruptcy in Arizona are entitled to use Arizona Exemptions. Your ability to use certain exemptions is a technical timing question that should be referred to your legal counsel. Exemptions can also change so the information on this page should be independently verified.
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Please Note - With the exception of the homestead all of these exemptions may be doubled if married. Please see A.R.S. §33-1121.01.
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