Florida Statute 222.29
“No exemption for fraudulent transfers”
What it means
One sentence disciplines the whole chapter: an exemption from attachment, garnishment, or legal process provided by chapter 222 is not effective if it results from a fraudulent transfer or conveyance as provided in chapter 726.
In plain terms, the wage, insurance, annuity, retirement, and personal-property exemptions protect what arrived honestly. Property that lands inside an exemption through a transfer made to hinder, delay, or defraud a creditor brings no protection with it — the creditor proceeds under chapter 726 as if the exemption were not there.
- A chapter 222 exemption is not effective if it results from a fraudulent transfer or conveyance under chapter 726.
- Applies across the chapter — wages, life insurance, annuities, retirement accounts, personal property.
- Pairs with §222.30, which reaches conversions of non-exempt assets into exempt form.
- The creditor's path runs through chapter 726 — the chapter 222 exemption simply stops working against that transfer.
How it plays out
We raise §222.29 gently and early whenever someone asks — usually mid-crisis — whether moving money into exempt form would help. Florida's exemptions stay generous because these backstops exist. In administration it cuts the other way too: a personal representative who finds eve-of-death transfers into exempt assets may be holding a chapter 726 claim that belongs to the estate's creditors, and it needs a decision, not a shrug.
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