What are bankruptcy exemptions in North Carolina?

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North Carolina has   modest   state exemptions and an opt-out regime.    1. Opt-Out State — N.C.G.S. § 1C-1601(f)   North Carolina opted out. Debtors must use North Carolina exemptions.    2. Homestead — N.C.G.S. § 1C-1601(a)(1)   -   $35,000   for individuals. -   $70,000   for married couples filing jointly with both on title. -   $60,000   for surviving spouses or owners 65+ where former joint owner is deceased.    3. Wildcard — N.C.G.S. § 1C-1601(a)(2)   -   Up to $5,000   of unused homestead amount applied to any property, PLUS -   $500   in any other property under § 1C-1601(a)(2).    4. Motor Vehicle — N.C.G.S. § 1C-1601(a)(3)   -   $3,500   equity in one motor vehicle.    5. Personal Property — N.C.G.S. § 1C-1601(a)(4)   -   Household goods, clothing, appliances, books  : $5,000 aggregate, plus   $1,000 per dependent   up to   $4,000 additional   (so a debtor with 4 dependents has $9,000).    6. Tools of Trade — N.C.G.S. § 1C-1601(a)(5)   -   $2,000  .    7. Health Aids — N.C.G.S. § 1C-1601(a)(7)   Fully exempt.    8. Wages — N.C.G.S. § 1-362     60 days   of earnings necessary for support of family fully exempt. Lesser of 25% disposable or amount over 30x minimum wage may be garnished going forward (matches CCPA).    9. Retirement Accounts — N.C.G.S. § 1C-1601(a)(9)   -   401(k), 403(b), pensions  : fully exempt. -   IRAs and Roth IRAs  : fully exempt. -   College savings plans (529)  : $25,000.    10. Insurance   -   Life insurance   — N.C.G.S. § 1C-1601(a)(6): proceeds payable to estate or spouse exempt. -   Disability benefits   — N.C.G.S. § 1C-1601(a)(8): exempt.    11. Public Benefits — N.C.G.S. § 1C-1601(a)(7)   Social Security, unemployment, workers' comp, veterans', public assistance — fully exempt.    12. Personal Injury Proceeds — N.C.G.S. § 1C-1601(a)(8)   Compensatory damages for personal injury — exempt.    13. Alimony / Child Support — N.C.G.S. § 1C-1601(a)(8)   Necessary for support — exempt.    14. Burial Plot — N.C.G.S. § 1C-1601(a)(1)   Up to   $35,000   as part of homestead.    15. Tenancy by the Entirety   North Carolina recognizes — property held jointly by spouses exempt from individual creditors.    16. Domicile Requirement     730-day rule   under 11 U.S.C. § 522(b)(3).    17. No CPI Adjustment   Exemption amounts not routinely adjusted.  This is legal information, not legal advice.