自己破産時の財産について
自己破産をすると、「財産を全て没収」されてしまうと思っている方もいらっしゃるかもしれません。
裁判所もそこまで鬼ではありません。
再スタートを切るための準備金や生活必需品といったもの、価値の低いものについては換価処分の対象から外れ、手元に残ります。
これを元手に新たなる生活をスタートさせることができます.
・現金99万円までは維持される。
自己破産をした場合でも現金99万円までは保有する事ができます。
ただし、これを超える額の現金を保有していた場合、「(少額）管財事件」として扱われ費用負担や期間の長期化といった点で負担が増大します。
・資産価値20万円以下の財産は維持される。
車やバイクといった資産価値の見積もることができる財産は、20万円を超えると換価処分の対象となりその財産を失うことになります。
しかし、20万円を超えない価値しかない場合は、換価処分されること無く手元に残すことができます。
預金口座も同様で、残高20万円を超えない口座に関しては、処分対象となりませんので、これも手元に残すことができます。
現金と預貯金は別個のものとして扱われますので、両方保有している場合は、現金・預貯金の両方とも維持する事ができます。
ただし、残高20万円を超える口座を保有している場合、全額処分されてしまいますので、注意が必要です。
・家族名義の口座は処分の対象外です。
あくまで換価処分の対象は「破産申立人の財産」のみです。家族名義の預金口座等、破産申立人に帰属しない財産はすべて処分の対象外となります。
しかしながら、以下の場合は破産申立人に帰属する財産とみなされます。
・破産申立人の収入を預け入れている家族名義の口座
・破産申立人の預金資産を移動した先の家族名義の口座
・生活に必要とされる家財は維持されます。
エアコンやテレビ・ビデオデッキ等（各1台まで）、タンスや食器の類と言った生活に最低限必要とされる物品は処分の対象外となり手元に残ります。
ただし、価値20万円以上の家財（高価な洋服ダンス等）はそれには該当せず、処分の対象となります。
・生命保険等保険について
掛け捨て型の保険に関しては、解約の必要はありません。そのまま維持する事ができます。
積み立て型の保険に関しては、返戻金の額を算定し、20万円を超える場合は、解約し返戻金が処分されます。
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