Why doesn't my car appear on my exemptions list?

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In a Nutshell

There are a few reasons that your car(s) might not be listed on your exemptions list.

Written by Kristin Turner, Harvard Law Grad.  
Updated July 22, 2020


There are a few reasons that your car(s) might not be listed on your exemptions list:

  1. You are leasing the car and so do not "own" any equity that needs to be protected from a trustee. You will be able to keep the car as long as your lease-holder allows you to assume it after your bankruptcy.

  2. You owe more than the car is worth and so do not "own" any equity that needs to be protected from a trustee. You will be able to reaffirm, redeem, or surrender the car without using any of your exemption balance. 

  3. You have already used all of the eligible exemptions to cover other cars and/or related items and so cannot protect this particular vehicle. If this is the case, we will let you know so that you know what to expect.



About the author
Kristin Turner, Harvard Law Grad

Kristin is a recipient of Harvard Law School’s Public Welfare Foundation A2J Tech Fellowship. At Harvard Law, she served as a member of the Harvard Defenders, the Women’s Law Association, and Harvard Law Negotiation Review. She was the 2016 – 2017 president of the Black Law Stude... read more

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