2    7052 of the Federal Rules of Bankruptcy Procedure.  1    This opinion is not intended for publication or citation. The availability of this opinion,  in electronic or printed form, is not the result of a direct submission by the court.   BACKGROUND     In November 2017, Debtors obtained a 1987 Aluma-Lite 27-foot trailer (the “Trailer”) in  Georgia for $2,500. However, the Trailer was stolen less than 2 years later, and Debtors subsequently filed an insurance claim (the “Insurance Claim”) with State Farm for the loss.   On December 30, 2019, Debtors filed a joint petition for relief under chapter 7 of the  Bankruptcy Code. Debtors listed the Insurance Claim as an asset on Schedule A/B in the amount of $3,900. On Schedule C, Debtors listed two exemptions in the Insurance Claim: a $195 exemption pursuant to Ohio Revised Code § 2329.66(A)(3), and a $1,805 exemption pursuant to Ohio Revised Code § 2329.66(A)(18).   Trustee objects to the portion of the exemptions claimed by Debtor-Susan, asserting that  she did not have an ownership interest in the Trailer. Because of this, Trustee argues that Debtor-Susan’s claimed exemptions are improper. The court disagrees.    DISCUSSION     Property of the estate generally includes all legal and equitable interests of the debtor in  property as of the commencement of the case. § 541(a)(1). Notwithstanding § 541(a)(1), a debtor may exempt certain property from the bankruptcy estate, moving it beyond the reach of creditors. § 522(b); Menninger v. Schramm (In re Schramm),431 B.R. 397, 400 (B.A.P. 6th Cir. 2010). Exemptions are to be liberally construed in favor of the debtor. 211, 213 (Bankr. N.D. Ohio 2003). The objecting party has the burden of establishing that a debtor’s exemptions are not properly claimed. Fed. R. Bankr. P. 4003(c).   Here, Debtors listed exemptions in the Insurance Claim pursuant to Ohio Revised Code  §§ 2329.66(A)(3) and (18). Ohio Revised Code § 2329.66(A)(3) allows a person to exempt “[t]he person's interest, not to exceed five hundred dollars, in cash on hand, money due and payable, money to become due within ninety days, tax refunds, and money on deposit with a bank, savings and loan association, credit union, public utility, landlord, or other person, other than personal earnings.” Ohio Rev. Code § 2329.66(A)(3). Ohio’s “wildcard exemption” allows a person to exempt “[t]he person's aggregate interest in any property, not to exceed one thousand three hundred twenty-five dollars . . . .” Ohio Rev. Code. § 2329.66(A)(18).    Trustee argued at the Hearing that Debtor-Susan is not entitled to the exemptions for the  Insurance Claim because she did not have an ownership interest in the Trailer. Trustee correctly pointed out that the bill of sale was signed only by the seller and Debtor-Robert, only Debtor- Robert’s name is on the receipt, and the insurance policy is in Debtor-Robert’s name. (See    1 Hereinafter, unless otherwise indicated, any reference to a section (“§” or “section”) refers to a section in Title 11 of the United States Code (the “Bankruptcy Code”).  19-62575-rk Doc 39 FILED 07/27/20 ENTERED 07/27/20 13:05:18 Page 2 of 4

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