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Texas Bankruptcy Exemptions

Texas Exemption Notes

Texas is one of the best states in which to file for bankruptcy because of generally pro-debtor state law that does not allow wage garnishment and features an unlimited homestead protection for real estate.

The main set of exemptions for Texas are found in the Texas Property Code §§ 42.001,  42.002.

Section 42.001 sets the overall limits for the exemptions listed in section 42.002(a).  These limits are currently at $50,000; double that for joint filers.

Texas is famous for its unlimited homestead exemption, which is as old as the state itself, and the state does not allow wage garnishment, and a features a  $50,000 personal property exemption. Those three things set apart the Lone Star state from most other states. 

Federal exemptions are also available, but because the state law exemptions are quite generous, most people use them.


Can I use the §522(d) Federal Bankruptcy Exemptions in Texas?

Yes. Federal exemptions are available.



Unlimited; property cannot exceed 10 acres in town, village, city or 100 acres (200 for families) elsewhere; sale proceeds exempt for 6 months after sale (renting okay if another home not acquired, Prop. 41.003)
Must file homestead declaration, or court will file it for you and charge you for doing so

Motor Vehicle

1 two-, three- or four-wheeled motor vehicle per family member or per single adult who holds a driver's license; or, if not licensed, who relies on someone else to operate vehicle



Personal Property

Up to $50,000 of personal property ($100,000 for joint filers) from the list of property described in § 42.002(a) of the Texas Property Code:

One vehicle per family member, (a)(9)
2 firearms (a)(7)
Bible or other sacred writings (
Clothing (a)(5) & food (a)(2)
Home furnishings including family heirlooms (a)(1)
Jewelry (limited to 25% of total exemption) (a)(6)
Pets & domestic animals plus their food: 2 horses, mules, or donkeys & tack; 12 head of cattle; 60 head of other livestock; 120 fowl (a)(10)
Health aids (exempt from total) (b)
Tools, equipment (includes boat & motor vehicles used in trade), & books (a)(

See Also:
Insurance, Pensions, Public Benefits, Tools of Trade, Wages & Miscellaneous