Utah State Exemption List

Only State Exemptions Allowed

In the state of Utah, you can not choose the federal bankruptcy list and must use the State of Utah Bankruptcy Exemption List. There may be certain federal supplemental exemptions you can use too. All exemptions should be discussed with your Utah Bankruptcy Attorney.

Utah has created bankruptcy exemptions to allow you to maintain enough public benefits, wages, personal property and insurance to start over after filing bankruptcy in Utah. There may be certain residency requirements to use the State of Utah Bankruptcy Exemption List.

The following table will outline the Utah Bankruptcy Exemptions. Some of your property or assets may not have a matching exemption.

Exemptions	Exemption Amount	Statutes
Homestead	Real property, mobile home or water rights to $10,000 (joint owners may double) Must file homestead declaration before attempted sale of home	78-23-3 78-23-4
Tools of Trade	Implements, books & tools of trade to $3,500 Military property of National Guard member Motor vehicle to $2,500	78-23-8(2) 39-1-47 78-23-8(3)
Wages	Minimum 75% of earned but unpaid wages; bankruptcy judge may authorize more for low-income debtors	70C-7-103
Wild Card	None
Public Benefits	AFDC Crime victims’ compensation General assistance Occupational disease disability benefits Unemployment compensation Veterans’ benefits Workers’ compensation	17-13-9 63-63-21 55-15-32 35-2-35 35-4-18 78-23-5(1) (e) 35-1-80
Insurance	Disability, illness, medical or hospital benefits Fraternal benefit society benefits Life insurance policy cash surrender value to $1500 Life insurance proceeds if beneficiary is insured’s spouse or dependent, as needed for support	78-23-5(1) ( c), (d) 31A-9-603 78-23-7 78-73-6(2)
Miscellaneous	Alimony needed for support Child support Property of business partnership	78-23-5(1) (k), 78-23-6(1) 78-23-5(1) (f), (k) 48-1-22
Pensions	ERISA-qualified benefits Public employees Other pensions needed for support	78-23-5(1) (j) 49-1-609 78-23-6(3)
Personal Property	Animals, books & musical instruments to $500 total Artwork depicting, or done by, family member Bed, bedding, carpets, washer & dryer Burial plot Clothing (cannot claim furs or jewelry) Food to last 3 months Furnishings & appliances to $500 Health aids needed Heirloom or other sentimental item to $500 Motor Vehicle to $2,500 Personal injury recoveries for you or person you depended on Proceeds for damaged exempt property Refrigerator, freezer, microwave, stove & sewing machine Wrongful death recoveries for person you depended on	78-23-8(1) (b) 78-23-5(1) (h) 78-23-5(1) (g) 78-23-5(1) (a) 78-23-5(1) (g) 78-23-5(1) )g) 78-23-8(1) (a) 78-23-5(1) (b) 78-23-8(1) ( c) 78-23-8(2) 78-23-5(1) (I) 78-23-9 78-23-5(1) (g) 78-23-5(1) (i)

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