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Utah Bankruptcy Exemptions

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Exemptions in Utah

Below are major exemptions available in Utah bankruptcy filings. Utah has opted out of the federal bankruptcy exemptions, and so state law defines and lists the exemptions that can be used. Consult a lawyer to determine the particulars of each exemption, and which exemptions are available to you.

• Homestead (equity in dwelling used as residence)
- Up to $30,000 in primary residence, can include water rights
- Up to $5,000 in other residence
• Equity in automobile
- Up to $5,000 in one motor vehicle
• Personal property
- Up to $1,000 in clothing
- Up to $1,000 in musical instruments, animals, and books
- Up to $1,000 in dining and kitchen tables and chairs
- Up to $1,000 in other furniture
- Up to $1,000 in heirlooms
- $250 in firearms per person, up to $500
- Major household appliances, i.e. refrigerator, washer/dryer
- Food to last one year
- Bed, bedding, and carpets
- Burial plot
- Family portraits and art made by family members
- Proceeds from exempt property
• Tools of the Trade
- Up to $5,000 in professional tools, books, and implements
- National Guard property
• Wages
- Unpaid earnings of up to 1/24 of Utah’s median income if paid more than once a month
- Unpaid earnings of up to 1/12 of Utah’s median income if paid monthly
• Insurance
- Cash surrender value of life insurance policy minus payments in last year
- Life insurance proceeds if to spouse or dependent, if needed for support
- Fraternal benefit society benefits
- Disability/medical/hospital/illness benefits
• Pensions and retirement
- Tax exempt retirement benefits
- Other pensions and annuities as needed for support
- Public employee pensions
• Public benefits
- Workers’ compensation/occupational disease benefits
- General assistance, AFDC, etc.
- Crime victims’ compensation
- Unemployment benefits
- Veterans’ benefits
- Social security
• Alimony and child support
- Alimony as needed for support
- Child support
• Other
- Personal injury/wrongful death recovery from someone you depended on
- Business partnership property

Do I Need a Bankruptcy Lawyer?

Due to the complicated nature of bankruptcy, it is a good idea to speak with a bankruptcy attorney before you file. Incomplete or inaccurate filings may result in seizure of exempt property, or in other financial losses. Protect yourself by consulting someone more familiar with Utah laws.

Photo of page author Alexis Watts

, LegalMatch Legal Writer

Last Modified: 12-31-2015 11:19 AM PST

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