Utah Exemption Notes

Helpful resources on wage garnishment in Utah may be found on the following official Utah state and nonprofit organization websites:

Utah Legal Services helps eligible clients with debt collection matters and credit issues, and their pro bono program can help low-income clients connect with a volunteer bankruptcy attorney to handle their case free of charge. Free legal clinics are listed by county on the Utah Court webpage. Free, low-cost, and sliding scale legal aid services help people access the court system and their civil legal rights. 


Can I use the §522(d) Federal Bankruptcy Exemptions in Utah?

No. Utah Code Ann. § 78B-5-513



Real property, mobile home, or water rights to $48,700 if primary residence; $5,800 if not primary residence (joint owners may double)

Motor Vehicle

Motor vehicle to $3,000

Personal Property

Animals, books, & musical instruments to $1,000
Artwork depicting, or done by, a family member
Bed, bedding, carpets
Clothing (cannot claim furs or jewelry)
Dining & kitchen tables & chairs to $1,000
Guns: any 3 of handgun, shotgun, shoulder arm plus 1,000 rounds for each
Food to last 12 months
Health aids
Heirlooms to $1,000
Refrigerator, freezer, microwave, stove, sewing machine, washer & dryer
Sofas, chairs, & related furnishings to $1,000
Tools of trade to $5,000

See Also:
  • Homestead

  • Homestead [US] Real property, including co-op or mobile home, or burial plot to $27,900; unused portion of homestead to $13,950 may be applied to any property
  • Tenancy by Entirety

  • Tenancy by Entirety [US] Tenancy by entirety is exempt only if debtor chooses State & Non-bankruptcy exemptions.
  • Insurance — Life, Disability

  • Insurance — Life, Disability [US] Disability, illness, or unemployment benefits
  • Insurance — Life, Disability [US] Life insurance payments from policy for person you depended on, needed for support
  • Insurance — Life, Disability [US] Life insurance policy loan value, in accured dividends or interest, to $14,875
  • Insurance — Life, Disability [US] Unamtured life insurance contract, except credit insurance policy
  • Pensions & Retirement Savings

  • Pensions & Retirement Savings [US] All types of retirement funds and accounts that tax-exempt under IRC section 401, 403, 408, 408A, 414, 457, or 501(a) ; IRAs & Roth IRAs limited to $1,512,350 (excluding rollover contributions); limitation can be overidden by judge.
  • Personal Property

  • Personal Property [US] Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $700 per item, $14,875 total
  • Personal Property [US] Health aids
  • Personal Property [US] Jewelry to $1,875
  • Personal Property [US] Lost earnings payments
  • Personal Property [US] Motor vehicle to $4,450
  • Personal Property [US] Personal injury recoveries to $27,900 (not to include pain & suffering or pecuniary loss)
  • Personal Property [US] Wrongful death recoveries for person you depended on
  • Public Benefits

  • Public Benefits [US] Crime victims' compensation
  • Public Benefits [US] Social Security
  • Public Benefits [US] Unemployment compensation
  • Public Benefits [US] Veteran's benefits
  • Tools of Trade

  • Tools of Trade [US] Implements, books, & tools of trade to $2,800
  • Wages

  • Wages [US] None
  • Wild Card

  • Wild Card [US] $1,475 of any property
  • Wild Card [US] Up to $13,950 of unused homestead exemption amount, for any property.
  • Miscellaneous

  • Miscellaneous [US] Alimony, child support needed for support

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