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I live in but do not own the house, my wife does. I have to be a "householder"
Here are the exemptions for Virginia:
"Householder" means any resident of Virginia -- see statute:
Thus you must be a resident of Virginia to claim the exemptions. I have a country club membership that i paid $75K for. It is not transferable or resellable. Is that somehow subject to seizure by ceditors in a bankrupacy.
Likely not as it would not have a value to a third-party
Also, can the creditors take riding lawn movers, Zena leather coats and clothes, and a flat screen TV.
Clothing to $1000 and Household furnishings to $5000 is exempt
As 'Tools of Trade" I have two pro class trumpets and tons of sheet music which cost several thousand dollars. I teach trumpet for a living.
Tools, books and instruments of trade are exempt to $10,000 if needed in your occupation or education
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