Ruby Divorce & Family Law Lawyer, New York

The items of property you are allowed to keep if a creditor wins a lawsuit against you or if you file for Chapter 7 bankruptcy. Most states let you keep clothing, household furnishings, an inexpensive car (or an expensive car on which you still owe a bundle), Social Security payments you haven't spent and other basic items. A few states let you keep your house. Following are brief descriptions of specific types of exempt property.animal exemption Allows you to keep animals such as household pets, livestock or poultry. The animal exemption varies among states. If your state simply allows you to exempt 'animals,' you may keep livestock, poultry or pets. Some states exempt only domestic animals, which are usually considered to be livestock and poultry, but not pets.appliance exemption Allows you to keep some of your household equipment operated by electricity, gas or propane. Examples include refrigerators, stoves, washing machines, dishwashers, vacuum cleaners and air conditioners.arms & accouterments exemption Allows you to keep some weapons (such as pistols, rifles or swords) and accouterments, which are the furnishings of a soldier's outfit, such as a belt or pack, but not clothes. A soldier's clothing is his or her uniform.building materials exemption Allows you to keep a certain amount of items needed to build or improve structures, such as lumber, brick, stone, iron, paint and varnish. This exemption is not available in all states.burial exemption Allows you to keep a cemetery plot, crypt, monument or the cash to purchase a burial plot. Some states allow you to claim the burial exemption only if you do not use your state's homestead exemption. States may also limit the amount exempted. This exemption is available in most states.crops exemption Allows you to keep products of the soil or earth that are grown and raised annually and gathered in a single season. For example, oranges (on the tree or harvested) are crops; but an orange tree isn't.farm tools exemption Allows you to keep the tools you use if your primary occupation is farming. Some states limit farm tools of the trade to items which can be held in the hand: hoes, axes, pitchforks, shovels, scythes and the like. In other states, farm tools also include plows, harnesses, mowers, reapers and other larger tools.furnishings exemption Allows you to keep a certain amount of furniture, fixtures in your home (such as a heating unit, furnace or built-in lighting) and other items with which a home is furnished (carpets and drapes, for example).health aids exemption Allows you to keep items needed to maintain your health, such as wheelchairs, crutches, prostheses or hearing aids. States either exempt all heath aids or limit the dollar amount of the total exemption.heirloom exemption Allows you to keep certain items passed from generation to generation which have special monetary or sentimental value.homestead exemption Protects a specified value or specified number of acres in a homestead. The amount you can protect with the exemption varies, depending on the state where you live. A few states have unlimited homestead exemptions, meaning a house worth even many millions of dollars can't be taken by judgment creditors or in Chapter 7 bankruptcy. At the other extreme, a small number of states have no homestead exemption at all.household goods exemption Allows you to keep a certain number of items of a permanent nature (as opposed to items consumed, like food or cosmetics) used in or about the house. It includes linens, dinnerware, utensils, pots and pans and small electronic equipment like radios and toasters. The amount you may keep varies from state to state.implement exemption Protects a certain amount of the instruments, tools or utensils you use to accomplish your job. Some states use this term instead of tools of the trade.in lieu of homestead (or burial) exemption An exemption available in some states only if you don't claim the homestead exemption or burial exemption. The amount of the exemption varies from state to state. It can be the approximate equivalent of the homestead or burial exemption or some amount fixed by state law. It's the same as the wild card exemption.jewelry exemption Protects certain items created for personal adornment; usually includes watches. Expensive jewelry is usually not included, although many states exempt wedding and engagement rings. Most states limit the total jewelry exemption amount, ranging from $250 to $1,000. Another term for jewelry is 'articles of adornment.'motor vehicle exemption Protects a self-propelled vehicle suitable for use on a street or road, such as a car, truck, motorcycle, van or moped, up to a certain value. For example, if your state's motor vehicle exemption is $2,500 (that's about average), your car is worth $10,000 and you still owe $8,000 to your lender, your car is exempt. You have equity of $2,000 ($10,000 - $8,000) and a $2,500 exemption to put toward it. (This assumes you can afford to keep making your car payments. If you can't, your lender will repossess your car and sell it at an auction.) On the other hand, if your vehicle is worth a lot and you don't owe anything on it, you probably won't be able to keep it, because the exemption won't cover the full amount of your equity.musical instrument exemption Allows you to keep certain instruments having the capacity, in and of themselves, when properly operated, to produce a musical sound. Pianos, guitars, drums, drum machines, synthesizers and harmonicas are musical instruments. Spoons (knocked on knees or into each other) and metal garbage can lids (when banged together like cymbals) aren't.property of business partnership exemption Protects business partnership property. Virtually all states allow this exemption if the property has the following characteristics: Each partner has a right to possess the property for partnership purposes, but has no right to possess it for any other purpose without consent of the partners. At a partner's death, his share of the partnership property passes to the surviving partners. The property isn't subject to state non-partnership property laws such as dower, curtesy, spouse's share or intestate succession.tools of the trade exemption Protects items of property needed to perform a line of work. For a mechanic, plumber or carpenter, tools of trade are the implements used to repair, build and install. For a doctor, tools of trade are the items found in the doctor's office and bag. For a clergy person, tools of trade often consist of no more than books. Traditionally, the exemption was limited to items that could be held in the hand. But most states now embrace a broader definition and a debtor may be able to fit many items under a tools of trade exemption. A motor vehicle is rarely considered a tool of the trade, unless it is a necessary part of the job--as it would be for a traveling sales representative--not merely used for commuting.wild card exemption Protects any property you choose, though it's not available in all states. Some states that include this exemption limit it to personal property; while others include real estate as well. Some states offer it only in lieu of homestead (or burial) exemption. In nearly all states that offer it, you can apply the exemption to nonexempt property, such as expensive jewelry or clothes, or use it to increase the amount for an already partially exempt item. For example, if Fergie's state has no specific motor vehicle exemption but does have a wild card exemption, Fergie can use the wild card exemption to put toward her car. If the state has a specific motor vehicle exemption, but the amount is limited, Fergie can use the wild card exemption to increase the exempt amount.

In some states, a type of marriage in which couples can become legally married by living together for a long period of time, representing themselves as a married couple and intending to be married. Contrary to popular belief, the couple must intend to be married and act as though they are for a common law marriage to take effect -- merely living together for a long time won't do it.

An order from a judge that directs a party to come to court and convince the judge why she shouldn't grant an action proposed by the other side or by the judge on her own (sua sponte). For example, in a divorce, at the request of one parent a judge might issue an order directing the other parent to appear in court on a particular date and time to show cause why the first parent should not be given sole physical custody of the children. Although it would seem that the person receiving an order to show cause is at a procedural disadvantage--she, after all, is the one who is told to come up with a convincing reason why the judge shouldn't order something--both sides normally have an equal chance to convince the judge to rule in their favor.

A document that provides proof of a marriage, typically issued to the newlyweds a few weeks after they file for the certificate in a county office. Most states require both spouses, the person who officiated the marriage and one or two witnesses to sign the marriage certificate; often this is done just after the ceremony.

Most of the property accumulated by spouses during a marriage, called community property in some states. States differ as to exactly what is included in marital property; some states include all property and earnings dring the marriage, while others exclude gifts and inheritances.

Adulthood in the eyes of the law. After reaching the age of majority, a person is permitted to vote, make a valid will, enter into binding contracts, enlist in the armed forces and purchase alcohol. Also, parents may stop making child support payments when a child reaches the age of majority. In most states the age of majority is 18, but this varies depending on the activity. For example, in some states people are allowed to vote when they reach the age of eighteen, but can't purchase alcohol until they're 21.

Differences between spouses that are considered sufficiently severe to make married life together more or less impossible. In a number of states, irreconcilable differences is the accepted ground for a no-fault divorce. As a practical matter, courts seldom, if ever, inquire into what the differences actually are, and routinely grant a divorce as long as the party seeking the divorce says the couple has irreconcilable differences. Compare incompatibility; irremediable breakdown.

The voluntary abandonment of one spouse by the other, without the abandoned spouse's consent. Commonly, desertion occurs when a spouse leaves the marital home for a specified length of time. Desertion is a grounds for divorce in states with fault divorce.

An annual income figure for which there are as many families with incomes below that level as there are above that level. The Census Bureau publishes median family income figures for each state and for different family sizes. A debtor whose current monthly income is higher than the median family income in his or her state must pass the means test in order to file for Chapter 7 bankruptcy, and must commit all disposable income to a five-year repayment plan if filing for Chapter 13 bankruptcy.