Property Ownership

A Virginia homeowner has a $5,000 homestead exemption. A creditor obtains a $20,000 judgment. How much equity in the home is protected from the judgment?

A$0
B$5,000✓ Correct
C$10,000
D$20,000

Explanation

Virginia's homestead exemption (VA Code § 34-4) protects $5,000 of equity in a debtor's home from most creditor judgments. The remaining equity above $5,000 is subject to the judgment lien.

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