These are the assets that are protected against judgments in SC:
15-41-30(A)(1) - Real property or co-op, up to $53,375 for single owner; up to $106,750 for multiple owners.
15-41-30 - Motor vehicle up to $5,350; clothing, household goods, furnishings, appliances, books, musical instruments, animals and crops up to $4,275 total; jewelry up to $1,075; health aids; personal injury and wrongful death recoveries for person you depended on for support.
15-41-30 - Burial plot up to $50,000 instead of homestead.
15-41-30 - Cash and other liquid assets up to $5,350, instead of homestead and burial plot.
59-2-140 - College investment program trust fund.
9-1-1680 - Public employees.
9-8-190 - Judges and solicitors.
9-9-180 - General assembly members.
9-11-270 - Police officers.
9-13-230 - Firefighters.
15-41-30 - ERISA-qualified benefits; Roth IRAs and IRAs needed for support.
15-41-30 - Unemployment compensation; Social Security; veterans' benefits; local public assistance; crime victims' compensation.
42-9-360 - Workers' compensation.
43-5-190 - General relief; aid to blind, aged, and disabled.
Tools of Trade
15-41-30 - Tools, books, and implements of trade up to $1,600.
Alimony and Child Support
15-41-30 - Alimony and child support.
15-41-30 - Unmatured life insurance contract (but a credit insurance policy is not exempt); disability or illness benefits; life insurance proceeds from a policy for a person you depended upon which is needed for support; life insurance dividends, interest, loan, cash, or surrender value from a policy for a person you depended upon up to $4,275.
38-38-330 - Fraternal benefit society benefits.
38-63-40 - Accident and disability benefits; Group life insurance proceeds' cash value not to exceed $50,000.
38-63-50 - Life insurance proceeds if policy prohibits use to pay creditors.
33-41-720 - Business partnership property.
15-41-30(A)(7) - Up to $5,350 for any property from unused exemption amounts.
In general, once a claim is in existence, it is too late to do anything with non-exempt assets, as transferring these can be deemed a "fraudulent transfer" and reversed.
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