Pennsylvania STATE LAW

WAGE GARNISHMENT EXEMPTION:

– 100% of wages exempt

MAXIMUM INTEREST RATE:

– Legal: 6% Judgment: 6%

STATUTE OF LIMITATIONS ON ENFORCEMENT:

– Open Account (credit card): 4 years
– Written Contract: 4 years
– Domestic Judgment: 5 years
– Foreign Judgment: 4 years

BAD CHECK LAW DAMAGES:

– Triple damages equal to $100 or three times check amount, whichever is greater, up to $500

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– Two party state

BANKRUPTCY PROPERTY EXEMPTIONS:
(Pennsylvania Consolidated Statutes Annotated)

– Can claim either the state exemptions below or the federal exemptions
– The State of Pennsylvania has exempted the property and income below from seizure by the bankruptcy court to pay creditors:

Real Property:

– None.

Personal Property:

– Bibles, schoolbooks, sewing machine, clothing, unlimited amount [42–8124(a)(1)–(3)]
– Equipment and uniforms required for military use, unlimited amount [42–8124(a)(4)]

Insurance / Annuities:

– Fraternal society benefits, unlimited amount [40–1142–403 and 42–8124(c)(8)]
– Accident or disability benefits, unlimited amount [42–8124(c)(7)]
– Group life insurance policy or proceeds, unlimited value [42–8124(c)(5)]
– Insurance or annuity payments if insured is beneficiary, up to $100 per month [42–8124(c)(3)]
– Life insurance policy proceeds if policy prohibits proceeds being used to pay creditors, unlimited amount [42–8214(c)(4)]
– Insurance annuity policy proceeds or cash value if beneficiary is insured's spouse, child or dependent, unlimited amount [42–8124(c)(6)]
– Automobile insurance proceeds (no–fault), unlimited amount [42–8124(c)(9)]

Pensions / Retirement Plans:

– City employees, unlimited amount [53–13445, 53–23572 and 53–39383]
– State employees, unlimited amount [71–5953]
– County employees, unlimited amount [16–4716]
– Municipal employees, unlimited amount [53–881.115]
– Police officers, unlimited amount [53–764, 53–776, 53–23666]
– Public school employees, unlimited amount [24–8533]
– Private retirement benefits deposited more than one year before filing bankruptcy

Public Benefits / Entitlements:

– Unemployment compensation, unlimited amount [42–8124(a)(10) and 43–863]
– Workers' compensation, unlimited amount [42–8124(c)(2)]
– Crime victim's compensation, unlimited amount [71–180–7.10]
– Veterans' benefits, unlimited amount [51.20012 and 51–20098]

Wages:

– Earned but unpaid wages, unlimited amount [42–8127]

Miscellaneous:

– Business partnership property, unlimited amount [15–8342]
– Any property up to $300 [42–8123]