| Attention: All 94-bankruptcy
districts charge the same filing fees. Chapter 7: $299 Chapter 13: $274 |
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UTAH EXEMPTION LISTHow to use this table of exemptions, by Attorney Thomas A. Prediletto. The following is a summary of the Utah exemptions that can be claimed (used) to exempt both your real and personal property in a bankruptcy petition. However, if your residence has not been continuously in the state of Utah for the two years prior to filing a bankruptcy petition, there are laws that apply as to which state or federal exemptions may be used. Exempt property of a debtor is property of the debtor that is not available to be used (sold) to pay his/her unsecured creditors and is not subject to the claims of unsecured creditors, but may be subject to the rights of secured creditors and lien holders. When reviewing the list for exemptions for your own property you should be aware that there may not be a “matching” exemption. Some state exemptions contain a “wildcard” which can be used if a matching exemption cannot be found in the list of exemptions. Also, an individual must own an interest in the property to claim the property as exempt. The debtor may exempt the equity (value of property less the total amount owed against it) however; any equity value in the property above the exemption amount may be subject to the claims of unsecured creditors. By way of example, if you own a home worth $250,000 and owe a total of $200,000 against it (combining all mortgage/home equity lines of credit and/or liens against the property) the amount of equity you would need to protect is $50,000. So long as the homestead exemption is more than $50,000 the full amount of the equity is exempt and not subject to the claims of your unsecured creditors. In the alternative, say the home is worth $250,000 and you only owe $100,000 against it, anything over the exemption amount is subject to the claims of the unsecured creditors. The same type example would apply to a motor vehicle, though the exemption for a motor vehicle is less than the amount of the exemption for a home. Please note that all of the exemptions may be doubled if a married couple is filing, with the exception of the homestead exemption. To view Utah exemption list and amounts available, click here or scroll down the page. To view Utah Codes, visit Justia US Laws - Utah Code. |
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| Description | LAW |
Max Individual Amount |
Max Joint Amount |
| Animals, books, and musical instruments | UCA § 78B-5-506(1)(c ) | $500.00 | $1,000.00 |
| Beds and bedding | UCA § 78B-5-505(1)(a)(viii)(E) | UNLIMITED | |
| Benefits - Utah State Retirement And Insurance Benefit Act | UCA § 49-11-612 | UNLIMITED | |
| Burial Plot | UCA § 78B-5-505(1)(a)(i) | UNLIMITED | |
| Carpets | UCA § 78B-5-505(1)(a)(viii)(B) | UNLIMITED | |
| Child Support Payments | UCA § 78B-5-505(1)(a)(vi) | UNLIMITED | |
| Crime victim compensation | UCA § 63-25A-421 | UNLIMITED | |
| Dining and kitchen tables and chairs | UCA § 78B-5-506(1)(b) | $500.00 | $1,000.00 |
| Disability, Illness, Unempl. Benefits | UCA § 78B-5-505(1)(a)(iii) | UNLIMITED | |
| Fraternal Benefit Society Benefits | UCA § 31A-9-603 | UNLIMITED | |
| Health Aids | UCA § 78B-5-505(1)(a)(ii) | UNLIMITED | |
| Heirlooms and other items | UCA § 78B-5-506(1)(d) | $500.00 | $1,000.00 |
| Household goods (one of each clothes washer, and dryer) | UCA § 78B-5-505(1)(a)(viii)(A) | UNLIMITED | |
| Life Insurance benefits including proceeds of benefits | UCA § 78B-5-505(1)(a)(xii) | UNLIMITED | |
| Life Insurance benefits including proceeds of benefits | UCA § 78B-5-505(1)(a)(xii) | UNLIMITED | |
| Medical, Surgical, Hospital Benefits | UCA § 78B-5-505(1)(a)(iv) | UNLIMITED | |
| Military Property Of Natl. Guardsman | UCA § 39-1-47 | UNLIMITED | |
| Motor vehicle | UCA § 78B-5-506(3) | $2,500.00 | $5,000.00 |
| Motor Vehicle Financial Responsibility Deposits | UCA § 41-12a-406 | UNLIMITED | |
| Personal injury or wrongful death proceeds | UCA § 78B-5-505(1)(a)(x) | UNLIMITED | |
| Personal Watercraft Financial Responsibility Deposits | UCA § 73-18c-305 | UNLIMITED | |
| Primary personal residence not exceeding | UCA § 78B-5-503(2) | $20,000.00 | $40,000.00 |
| Proceeds exempt property sold, lost, damaged or destroyed | UCA § 78B-5-507(1) | UNLIMITED | |
| Proceeds from sale of homestead | UCA § 78B-5- 503(5) | UNLIMITED | |
| Professional books or tools of trade | UCA § 78B-5-506(2) | $3,500.00 | $7,000.00 |
| Provisions for 12 months provided for individual or family | UCA § 78B-5-505(1)(a)(viii)(C ) | UNLIMITED | |
| Public Assistance | UCA § 35A-3-112 | UNLIMITED | |
| Real property other than primary personal residence | UCA § 78B-5-503(2) | $5,000.00 | $10,000.00 |
| Retirement plan alternative payee | UCA § 78B-5-505(1)(a)(xv) | UNLIMITED | |
| Retirement plans (generally unlimited) | UCA § 78B-5-505(1)(a)(xiv) | UNLIMITED | |
| Sofas, chairs, and related furnishings | UCA § 78B-5-506(1)(a) | $500.00 | $1,000.00 |
| Specific Partnership Property | UCA § 48-1-22(2)(c) | UNLIMITED | |
| Spousal Payments | UCA § 78B-5-505(1)(a)(vii) | UNLIMITED | |
| Unmatured life insurance benefits | UCA § 78B-5-505(1)(a)(xiii) | UNLIMITED | |
| Unemployment Compensation Benefits | UCA § 35A-4-103 | UNLIMITED | |
| Veteran's Benefits | UCA § 78B-5-505(1)(a)(v) | UNLIMITED | |
| Wages (less than 75% of disposable income) | UCA §70C-7-103 | UNLIMITED | |
| Water rights for homestead | UCA § 78B-5- 503(4) | UNLIMITED | |
| Wearing apparel (excluding jewelry and furs | UCA § 78B-5-505(1)(a)(viii)(D) | UNLIMITED | |
| Workers' Compensation Benefits | UCA § 34A-2-422 | UNLIMITED | |
| Works of art (produced by debtor or family) | UCA § 78B-5-505(1)(a)(ix) | UNLIMITED |
