Vermont Bankruptcy

What Are The Vermont Bankruptcy Exemptions?

Vermont law protects all or a portion of your property from being seized by creditors or the bankruptcy trustee in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you are generally allowed to keep all of your assets and property. Certain exceptions may apply, so it’s wise to consult with a Vermont bankruptcy attorney to find which of your assets will be protected in a bankruptcy filed in Vermont. In general, the major Vermont bankruptcy exemptions include:

GENERAL VERMONT EXEMPTIONS
Real Estate (the Homestead Exemption)
Up to $75,000 of equity in your homestead can be protected.
Automobiles
Up to $2,500 of equity in one motor vehicle can be protected.
Other Property
$5,000 in professional books and tools of the trade; one wedding ring; $500 in other jewelry; $2,500 in furniture, goods or appliances, books, wearing apparel, animals, crops or musical instruments; growing crops up to $5,000; any other property, not to exceed $400 in value, plus up to $7,000 of any unused exemptions; one cooking stove, appliances needed for heating, one refrigerator, one freezer, one water heater, and sewing machines; and $700 in bank deposits.In Vermont, you have the choice of electing the federal exemption statutes rather than the Vermont state exemptions. Consult with a Vermont bankruptcy attorney for more details.
View the complete list of Vermont bankruptcy exemptions

Please remember that this page provides general information only, and is not intended to provide legal advice. The information is not a substitute for the advice of a qualified bankruptcy attorney. If you need legal assistance, consult an attorney.

Which state’s exemption laws apply in your bankruptcy?

Generally, the laws of the state in which you lived for the 730 days (2 years) prior to filing a bankruptcy petition will apply in your bankruptcy.

If you have not lived in the same state for 2 years immediately prior to filing your bankruptcy petition, the laws of the state in which you lived for the majority of the 180-day period preceding the 2-year period will likely apply.

If the application of the preceding general rules renders you ineligible for exemptions under any state’s laws, you may be allowed to choose the federal exemptions applicable in your bankruptcy.

Is Vermont a Community Property State?

No, Vermont is not a community property state. Because it is not a community property state, you will be responsible for your spouse’s debts only if you voluntarily assumed those debts by, for example, co-signing on a loan given to your spouse. In a non-community property state, one spouse can file for bankruptcy and be eligible to eliminate all of their unsecured debts without the involvement of the other spouse.

How did your senator vote on the new bankruptcy laws?

Following years of intense lobbying by creditors, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005″ (BAPCPA). How did your Senators vote on these largely pro-creditor provisions?

Jeffords (I-VT) — NAY
Leahy (D-VT) — NAY

Vermont Bankruptcy Court Locations:

67 Merchants Row
P.O. Box 6648
Rutland, VT 05702-6648
(802) 776-2000

Note: You may not have to actually go to one of the above bankruptcy courts. Trustees often conduct your meeting at a local venue.

Although bankruptcy is federal law, the bankruptcy courts in each jurisdiction have local rules that must be followed. A local bankruptcy attorney will be familiar with the specific rules in your area.

Vermont Bankruptcy Attorney Locations:

Looking for a Vermont bankruptcy attorney?
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The businesses below are not in any way connected with Bankruptcyhq and are not recommended by us. Do your own due diligence before engaging with them.

Bankruptcy lawyers in Barre, Vermont

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Some Quick Facts about Barre in Vermont

AGE AND SEX

The rate of births in Barre is below average at 4.4%. The elderly make up a quintessential 14.1% of the local inhabitants, hinting Barre is a classic spot. Children below 18 years of age embody 21.7% of the residents.

POPULATION

People are more men with women in Barre, Vermont making up 49.8% of the populace. The newest population for Barre in Vermont is 8,528 dropping by -5.8% since 2010.

ECONOMY FACTS

Totalling $19190.0, local retail sales per person are greater than normal for the country. The typical rental charge is $739.0 which is beneath the US median. The most common house cost is $158300.0, (< average for the US).

SOCIAL FACTS

In Barre, Vermont 21.4 percent of the population are registered handicapped and as a result pass for the federal health program. Home owners (46.8%) and those who qualified with a university degree are least probable to need insolvency services. People who failed to finish school are very likely to require insolvency lawyers. In Barre, 13.7% are in this class. 3.2 percent of residents do not have medical insurance. This is more affluent than the national mean.
Name Phone Address Review Score Sample Reviews
James Palmisano Law Office+1 802-223-6439James Palmisano Law Office, 417 Barre St, Montpelier, VT 05602, United States5/5 (1 review)
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Oliver L Twombly Law Offices+1 802-479-2989Oliver L Twombly Law Offices, 188 S Main St #3, Barre, VT 05641, United States2.3/5 (3 reviews)
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Martin Delaney & Ricci Law Group+1 802-479-0568Martin Delaney & Ricci Law Group, 100 N Main St, Barre, VT 05641, United States5/5 (29 reviews)
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GRAY LAW PLLC+1 802-622-0788GRAY LAW PLLC, 14 Merchant St, Barre, VT 05641, United States5/5 (11 reviews)
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AmeriGas Propane+1 802-479-3306AmeriGas Propane, 684 S Barre Rd, South Barre, VT 05670, United States4.2/5 (39 reviews)
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Bankruptcy lawyers in Burlington, Vermont

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Some Quick Facts about Burlington in Vermont

SOCIAL FACTS

In Burlington, Vermont 9.9% of residents are qualified as not able bodied and accordingly are eligible for federal health insurance. People owning their own property (35.8 percent) and individuals who qualified with a university education are not very likely to make use of bankruptcy lawyers. 3.9 percent of local inhabitants need a medical plan. This is better than the US norm. People who failed to graduate from school are very probable to avail themselves of bankruptcy practitioners. In Burlington, 7.8% are in this basket.

AGE AND SEX

Seniors make up a lowly 11.9 percent of the residents, implying Burlington is a youthful locale. Kids below 18 years of age embody 11.8 percent of the population. The growth in youngsters in Burlington is below the nationwide average at 3.2 percent.

ECONOMY FACTS

the average rent figure is $1213.0 which is beyond the nationwide median. The most common house price is $284500.0, (surpassing normals for the US). At $14431.0, local retail sales per head exceed average nationally.

POPULATION

People are slightly more women with females in Burlington, Vermont making up 51.0% of the residents. The freshest population count for Burlington, located in Vermont is 42,819 growing 1.0% compared with 2010.
Name Phone Address Review Score Sample Reviews
L Randolph Amis PC+1 802-658-8900L Randolph Amis PC, 110 Main St, Burlington, VT 05401, United States0/5 (not set)
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    Meier Lawrence+1 802-863-2375Meier Lawrence, Burlington, VT 05402, United States0/5 (not set)
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      Clark Werner & Flynn PC: Werner Lisa M+1 802-865-0088Clark Werner & Flynn PC: Werner Lisa M, 192 College St # 203, Burlington, VT 05401, United States0/5 (not set)
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        Kaplan and Kaplan+1 802-651-0013Kaplan and Kaplan, 95 St Paul St #405, Burlington, VT 05401, United States4.8/5 (24 reviews)
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        Jarvis, McArthur & Williams+1 802-658-9411Jarvis, McArthur & Williams, 95 St Paul St, Burlington, VT 05401, United States4.4/5 (42 reviews)
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        Law Offices of Marc E. Wiener+1 802-863-1836Law Offices of Marc E. Wiener, 110 Main Street #1-a, Burlington, VT 05401, United States5/5 (2 reviews)
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        MSK Attorneys+1 802-861-7000MSK Attorneys, 275 College St, Burlington, VT 05401, United States4.7/5 (15 reviews)
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        Green Tax Services, Inc.+1 802-658-3888Green Tax Services, Inc., 45 Swift St, South Burlington, VT 05403, United States4.7/5 (24 reviews)
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        Vermont Legal Aid+1 800-889-2047Vermont Legal Aid, 264 N Winooski Ave, Burlington, VT 05401, United States4.2/5 (18 reviews)
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        Clark, Werner & Flynn, P.C.+1 802-865-0088Clark, Werner & Flynn, P.C., 192 College St #203, Burlington, VT 05401, United States5/5 (3 reviews)
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        Music & Arts+1 802-651-1013Music & Arts, 75 Maple St, Burlington, VT 05401, United States4.5/5 (45 reviews)
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        Legal Services Vermont - formerly Legal Services Law Line of Vermont+1 800-889-2047Legal Services Vermont - formerly Legal Services Law Line of Vermont, 274 N Winooski Ave, Burlington, VT 05401, United States3.7/5 (3 reviews)
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        American Tax+1 802-879-8767American Tax, 1855 Williston Rd # 5, South Burlington, VT 05403, United States4/5 (6 reviews)
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        Richard R. Goldsborough+1 802-651-0960Richard R. Goldsborough, 1233 Shelburne Rd Ste E1, South Burlington, VT 05403, United States3.7/5 (3 reviews)
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        Stephen & Burns Aveda Salon & Spa+1 802-865-4766Stephen & Burns Aveda Salon & Spa, 1185 Shelburne Rd Suite 3, South Burlington, VT 05403, United States4.7/5 (145 reviews)
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        Bankruptcy lawyers in Essex Junction village, Vermont

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        Some Quick Facts about Essex Junction in Vermont

        ECONOMY FACTS

        the average rent payment is $1313.0 which is above the average. The median property ticket is $298200.0, (over the median for the US). At $13834.0, retail sales per head are higher than normal nationally.

        POPULATION

        The populace is a little in favor of female in gender with females in Essex Junction, Vermont comprising 52.1% of the local inhabitants. The freshest population survey for Essex Junction, located in Vermont is 10,852 exapanding by 16.8% compared with 2010.

        AGE AND SEX

        The aged make up a routine 13.1% of the populace, hinting Essex Junction is a quintessential place. Children below 18 years of age consist 20.7% of the residents. The growth in youngsters in Essex Junction is less than the nationwide average at 5.9%.

        SOCIAL FACTS

        Those who did not succeed to graduate from elementary education are highly probable to need bankruptcy services. In Essex Junction, 7.8 percent are part of this grouping. 5.3% of local inhabitants do not have a medical plan. This is more favorable than the national norm. Those possessing their own property (65.4 percent) and those with a university degree are not likely to avail themselves of bankruptcy lawyers. In Essex Junction, Vermont 6.8% of people are qualified as disabled and consequently qualify for federal health insurance.
        Name Phone Address Review Score Sample Reviews

        Bankruptcy lawyers in Montpelier, Vermont

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        Some Quick Facts about Montpelier in Vermont

        SOCIAL FACTS

        Those who haven't succeeded to finish basic education are very likely to make use of insolvency lawyers. In Montpelier, 3.0 percent are in this basket. In Montpelier, Vermont 8.2 percent are reported not able bodied and accordingly have access to federal insurance. 3.0% of the populace do not have a health plan which means the area is more favorable than the US average. Property owners (55.6%) and those who qualified with a bachelor qualification are not likely to be customers for insolvency lawyers.

        ECONOMY FACTS

        At $24332.0, retail sales per capita beat the median for the US. The typical rent payment is $1021.0 which is below the US median. The median property ticket is $252600.0, (surpassing average for the country).

        POPULATION

        The most current population number for Montpelier in the state of Vermont is 7,372 falling by -6.1% over 2010.The Population is slightly in favor of female with females in Montpelier, Vermont comprising 56.3 percent of the local inhabitants.

        AGE AND SEX

        The aged make up a huge 20.8% of the populace, hinting Montpelier is a solely retirement town. Youth below 18 years of age comprise 17.6 percent of the locals. The birth rate in Montpelier is lower than normal for the US at 3.4%.
        Name Phone Address Review Score Sample Reviews
        The Law Office of Amy K. Butler, Esquire PLLC+1 802-371-0077The Law Office of Amy K. Butler, Esquire PLLC, 39 Court St Suite 2, Montpelier, VT 05602, United States4.6/5 (11 reviews)
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        Rice & Riley+1 802-223-3479Rice & Riley, 1, Blanchard Ct suite 203, Montpelier, VT 05602, United States5/5 (2 reviews)
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        Page John C+1 802-223-1000Page John C, 140 Main St, Montpelier, VT 05602, United States0/5 (1 review)
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          James Palmisano Law Office+1 802-223-6439James Palmisano Law Office, 417 Barre St, Montpelier, VT 05602, United States5/5 (1 review)
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          Biggam Fox Skinner LLP+1 802-229-5146Biggam Fox Skinner LLP, 535 Stone Cutters Way Suite 204, Montpelier, VT 05602, United States5/5 (19 reviews)
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          Abacus Bookkeeping & Tax Services+1 802-225-8907Abacus Bookkeeping & Tax Services, 338 River St #1, Montpelier, VT 05602, United States4.2/5 (5 reviews)
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          Bankruptcy lawyers in Rutland, Vermont

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          Some Quick Facts about Rutland in Vermont

          SOCIAL FACTS

          In Rutland, Vermont 13.7 percent of the locals are registered not able bodied and consequently are entitled to federal health insurance. Homeowners (55.0%) and people with a university education are not very probable to fall afoul of insolvency practitioners. 5.7 percent of the populace are in need of a medical plan. This is better than the national norm. People who didn't graduate from basic education are quite likely to be customers for bankruptcy services. In Rutland, 9.0 percent qualify for this bracket.

          AGE AND SEX

          The birth rate in Rutland is less than the nationwide average at 4.6 percent. The elderly embody an enormous 21.4% of the residents, suggesting Rutland is an aged location. Youth under 18 years of age comprise 16.0% of the population.

          POPULATION

          The freshest population for Rutland, located in Vermont is 15,074 a fall of -8.5% compared with 2010.The Population is biased in favor of female with females in Rutland, Vermont comprising 50.8% of the populace.

          ECONOMY FACTS

          The most common rental figure is $780.0 which is below the average. The most common house cost is $153300.0, (below average for the country). $25924.0, B2C sales per head surpass normal for the country.
          Name Phone Address Review Score Sample Reviews
          Pratt Vreeland Kennelly Martin & White, Ltd.+1 802-775-7141 ext. 208Pratt Vreeland Kennelly Martin & White, Ltd., 64 N Main St, Rutland, VT 05701, United States5/5 (5 reviews)
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          Meub Associates, PLC+1 802-747-0610Meub Associates, PLC, 65 Grove St, Rutland, VT 05701, United States4.9/5 (33 reviews)
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          Cohen & Rice+1 802-775-2352Cohen & Rice, 128 Merchants Row #701, Rutland, VT 05701, United States0/5 (not set)
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            Facey Goss & McPhee P.C+1 802-773-3300Facey Goss & McPhee P.C, 71 Allen St #401, Rutland, VT 05701, United States3.7/5 (7 reviews)
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            Vermont Legal Aid Inc.+1 802-775-0021Vermont Legal Aid Inc., 57 N Main St #2, Rutland, VT 05701, United States3.1/5 (12 reviews)
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            US Bankruptcy Court+1 802-657-6400US Bankruptcy Court, 151 West St, Rutland, VT 05701, United States0/5 (1 review)
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              Ladabouche Jr, Norman J CPA+1 802-773-2721Ladabouche Jr, Norman J CPA, 27 Center St, Rutland, VT 05701, United States1/5 (1 review)
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              Bankruptcy lawyers in St. Albans, Vermont

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              Some Quick Facts about St. Albans in Vermont

              AGE AND SEX

              The aged make up a classic 13.3% of the populace, indicating St. Albans is a typical town. Youth less than 18 years old comprise 22.2% of the populace. The rate of births in St. Albans is higher than US norms at 7.1%.

              SOCIAL FACTS

              In St. Albans, Vermont 12.7% of locals are qualified as disabled and consequently are eligible for federal health support. Home owners (53.8 percent) and people who have a higher education degree are least likely to make use of insolvency practitioners. Individuals who didn't finish basic education are quite probable to fall afoul of bankruptcy services. In St. Albans, 8.6 percent are part of this class. 4.0% of the populace have no a medical plan which means the area is superior to the national norms.

              ECONOMY FACTS

              the average rental cost is $1005.0 falling beneath the nationwide average. The average house cost is $180800.0, (beneath the median for the US). Totalling $28661.0, local retail sales per head outstrip normal nationally.

              POPULATION

              The populace is a little biased towards female in gender with women in St. Albans, Vermont making up 52.7 percent of the populace. The newest population for St. Albans, located in Vermont is 6,801 dropping by -1.7% compared with 2010.
              Name Phone Address Review Score Sample Reviews

              Bankruptcy lawyers in South Burlington, Vermont

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              Some Quick Facts about South Burlington in Vermont

              ECONOMY FACTS

              the average rental payment is $1401.0 exceeding the US median. The most common house ticket is $307500.0, (surpassing average for the US). At $42269.0, retail sales per person surpass the median for the US.

              SOCIAL FACTS

              In South Burlington, Vermont 10.0 percent of residents are qualified not able bodied and therefore pass for federal health insurance. Homeowners (60.0%) and individuals who qualified with a higher education degree are least probable to be customers for bankruptcy lawyers. People who did not succeed to finish elementary education are quite probable to require bankruptcy services. In South Burlington, 4.4% belong to this classification. 2.9 percent of local inhabitants need a medical plan which is more favorable than the US average.

              AGE AND SEX

              Seniors embody a high 18.5 percent of the local inhabitants, implying South Burlington is an older location. Kids under 18 comprise 17.2 percent of the populace. The rate of births in South Burlington is under normal for the US at 4.5%.

              POPULATION

              The populace is slightly more women with females in South Burlington, Vermont making up 52.6% of the local inhabitants. The freshest population number for South Burlington in the state of Vermont is 19,509 exapanding by 9.0% since 2010.
              Name Phone Address Review Score Sample Reviews
              Green Tax Services, Inc.+1 802-658-3888Green Tax Services, Inc., 45 Swift St, South Burlington, VT 05403, United States4.7/5 (24 reviews)
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              American Tax+1 802-879-8767American Tax, 1855 Williston Rd # 5, South Burlington, VT 05403, United States4/5 (6 reviews)
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              Richard R. Goldsborough+1 802-651-0960Richard R. Goldsborough, 1233 Shelburne Rd Ste E1, South Burlington, VT 05403, United States3.7/5 (3 reviews)
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              Stephen & Burns Aveda Salon & Spa+1 802-865-4766Stephen & Burns Aveda Salon & Spa, 1185 Shelburne Rd Suite 3, South Burlington, VT 05403, United States4.7/5 (145 reviews)
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              Bankruptcy lawyers in Winooski, Vermont

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              Some Quick Facts about Winooski in Vermont

              AGE AND SEX

              The rate of births in Winooski is beneath normal for the US at 5.8 percent. Seniors embody a small 11.6 percent of the residents, suggesting Winooski is a vigorous location. Children under 18 years old embody 16.3 percent of the locals.

              ECONOMY FACTS

              The median rent charge is $1144.0 which is above the US average. The median property cost is $225200.0, (> the median for the country). At $4526.0, local retail sales per capita are below the median for the country.

              POPULATION

              The populace is slightly biased towards male with women in Winooski, Vermont constituting 49.0% of the populace. The most up to date population number for Winooski, located in Vermont is 7,333 growing 1.0% compared with 2010.

              SOCIAL FACTS

              3.9% of local inhabitants do not have health insurance. This is more favorable than the United States average. Those owning property (36.8%) and those with a bachelor degree are least probable to need insolvency lawyers. In Winooski, Vermont 17.0 percent of the locals are reported as handicapped and consequently pass for federal health support. Individuals who didn't graduate from basic education are more probable to be the market for insolvency services. In Winooski, 16.0% belong to this grouping.
              Name Phone Address Review Score Sample Reviews
              Vermont Legal Aid+1 800-889-2047Vermont Legal Aid, 264 N Winooski Ave, Burlington, VT 05401, United States4.2/5 (18 reviews)
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              Legal Services Vermont - formerly Legal Services Law Line of Vermont+1 800-889-2047Legal Services Vermont - formerly Legal Services Law Line of Vermont, 274 N Winooski Ave, Burlington, VT 05401, United States3.7/5 (3 reviews)
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