Kansas Bankruptcy Laws & Exemptions
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Kansas Bankruptcy Laws

Filing Bankruptcy in Kansas

If you’re struggling with your finances, you may want to consider filing for personal bankruptcy.

The U.S. Bankruptcy Code offers two types of protection for those in financial distress: Chapter 7 bankruptcy and Chapter 13.

This page is designed to provide you with the information to help you decide whether bankruptcy may be the best move for you. For many Americans, speaking with a bankruptcy lawyer is the first step toward financial renewal. When you’re ready to contact a Kansas bankruptcy lawyer, we can help.

Just fill out the below free bankruptcy case review on this page or call 877-349-1309 to connect with a local bankruptcy lawyer.

Free Case Evaluation

Kansas Bankruptcy Law

If you're considering filing bankruptcy, you should know that Chapter 7 and Chapter 13 bankruptcy provide different kinds of financial protection.

Chapter 7 bankruptcy is sometimes called “liquidation” because a filer’s bankruptcy trustee can sell off any non-exempt assets to raise money to repay creditors.

In non-legal language, this means that some of your possessions can be sold to raise cash, this is the liquidation part. However, Kansas bankruptcy law may protect many of your possessions.

Homestead: Kansas Bankruptcy Exemptions

Only one of the following exemptions may apply to you:

  • Up to 160 acres of farm land.
  • One acre in a city/incorporated.
  • One manufactured/mobile home you live in.


  • Up to 75 percent of your disposable income.


  • Up to $20,000 of one motor vehicle. If you’re disabled, your vehicle exemption may exceed $20,000.

Personal Property

  • Furnishings, equipment, food, fuel and clothing necessary for one year.
  • Burial plot/crypt.
  • Up to $1,000 for jewelry.
  • Up to $7,500 of books, documents, furniture, instruments, tools, equipment, implements, livestock, seed grain/growing plants.

Chapter 13 bankruptcy tends to work for those who have a steady income and have faced a temporary financial setback. It allows filers some breathing room while they catch up on past due debts with a three-five year repayment plan.

Chapter 13 bankruptcy can also be useful for those wishing to halt mortgage foreclosure. Thanks to bankruptcy’s automatic stay, creditors are prohibited from making any collection actions against you while your case is pending. In other words, foreclosures should be prevented for 3-5 years while you get your finances in order.

Talk to a Kansas Bankruptcy Lawyer Today

We understand that filing for bankruptcy is a major decision and should not be made lightly.

That’s why we provide you with hundreds of pages of free online content to help you learn the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy, alternatives to filing bankruptcy and how to take control your credit after bankruptcy. A local bankruptcy lawyer can give you more in depth and case-specific information.

Getting in touch with a Kansas bankruptcy lawyer has never been easier.

All you have to do is call us at 877-349-1309 or fill out the free form on this page and we’ll connect you with a sponsoring bankruptcy lawyer practicing near you as soon as possible.

Note: Keep in mind all laws are complex. If you need legal advice or want to fully understand how these laws affect you, please speak with a local attorney.

Laws may have changed since our last update. For the latest information on your state's bankruptcy laws, speak to a local bankruptcy lawyer.

Read the full text of the Kansas Bankruptcy Code.

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