Utah Bankruptcy Exemptions 2020

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Written by Upsolve Team.  
Updated April 2, 2020

Summary

It's important to understand what the exemptions for Utah are and how they're most often used in a bankruptcy case.

How Do Exemptions Work?

When you file for Chapter 7 bankruptcy, one of the biggest questions is whether or not you will be able to keep your property.

That depends on which property exemptions you can use on your bankruptcy forms. They are called exemptions because they “exempt” -- or “excuse” -- certain property from being taken. In most cases, exemptions protect most day-to-day items that you own, unless you have expensive property like a house or a car.

Certain exemptions protect entire categories of property like retirements accounts, regardless of value. Other exemptions only protect specific property like a vehicle up to a certain value.

If you're looking for a deep understanding of bankruptcy exemptions, read this article.

Does Utah allow federal exemptions?

Utah does not recognize the federal exemptions.

Every state has its own set of property exemptions. And some states also allow you choose between their exemptions and a set of federal bankruptcy exemptions. When they do, they will generally let you to choose the system that is the best fit for you. Although some states allow you to use the federal bankruptcy exemptions, others do not.

Utah Exemptions

11 U.S.C. § 522(b)(3)(C)

Most people use 11 U.S.C. § 522(b)(3)(C) to cover tax exempt retirement accounts. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 31A-9-603

Most people use Utah Code Ann. § 31A-9-603 to cover fraternal benefits, societal benefit. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 34A-2-422

Most people use Utah Code Ann. § 34A-2-422 to cover workers compensation. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 34A-3-107

Most people use Utah Code Ann. § 34A-3-107 to cover occupational disease compensation. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 35A-3-112

Most people use Utah Code Ann. § 35A-3-112 to cover general assistance. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 35A-4-103 (4)(c)

Most people use Utah Code Ann. § 35A-4-103 (4)(c) to cover unemployment compensation. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 39-1-47

Most people use Utah Code Ann. § 39-1-47 to cover military property. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 48-1-22(2)(c)

Most people use Utah Code Ann. § 48-1-22(2)(c) to cover partnerships. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 49-11-612

Most people use Utah Code Ann. § 49-11-612 to cover public employees pensions. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 63-25a-421 (4)

Most people use Utah Code Ann. § 63-25a-421 (4) to cover crime victim's compensation. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505

Most people use Utah Code Ann. § 78B-5-505 to cover life insurance (proceeds and avails). For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505

Most people use Utah Code Ann. § 78B-5-505 to cover medical, surgical or hospital benefits. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(ii)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(ii) to cover health aids. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(iii)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(iii) to cover disability benefits. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(v)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(v) to cover veteran's benefits. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(vi); Utah Code Ann. § 78B-5-505 (1)(a)(vii)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(vi); Utah Code Ann. § 78B-5-505 (1)(a)(vii) to cover alimony, child, maintenance support. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(viii)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(viii) to cover household goods and furnishings. bed, beddings, carpet. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(viii)(C)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(viii)(C) to cover food, water and storage - for 12 months. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(viii)(D)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(viii)(D) to cover clothing (cannot claim furs or jewelry). For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(x)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(x) to cover personal injury settlement. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(xi)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(xi) to cover life insurance (for spouse or dependent). For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(xiv)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(xiv) to cover erisa-qualified benefits, iras, keoghs. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505 (1)(a)(xvi)

Most people use Utah Code Ann. § 78B-5-505 (1)(a)(xvi) to cover unpaid wages - 75% or 30 times federal min hourly wage. For single debtors filing, it has no coverage limit.

Utah Code Ann. § 78B-5-505(1)(a)(xvii)

Most people use Utah Code Ann. § 78B-5-505(1)(a)(xvii) to cover firearms - any three of: handgun,shotgun, or shoulder arm. For single debtors filing, it has no coverage limit. This exemption has a limit to the number of assets it can cover.

Utah Code Ann. § 78B-5-506 (1)(a)

Most people use Utah Code Ann. § 78B-5-506 (1)(a) to cover sofas and furnishings. For single debtors filing, it has a coverage limit of $1,000.

Utah Code Ann. § 78B-5-506 (1)(b)

Most people use Utah Code Ann. § 78B-5-506 (1)(b) to cover dining and kitchen furniture. For single debtors filing, it has a coverage limit of $1,000.

Utah Code Ann. § 78B-5-506 (1)(c)

Most people use Utah Code Ann. § 78B-5-506 (1)(c) to cover books, and musical instruments. aniamls. For single debtors filing, it has a coverage limit of $1,000.

Utah Code Ann. § 78B-5-506 (2)

Most people use Utah Code Ann. § 78B-5-506 (2) to cover tools of trade. motor vehicle for business. For single debtors filing, it has a coverage limit of $5,000.

Utah Code Ann. § 78B-5-506 (3)

Most people use Utah Code Ann. § 78B-5-506 (3) to cover motor vehicle (one). For single debtors filing, it has a coverage limit of $3,000.

Utah Code Ann. § 78B-5-506 (d)

Most people use Utah Code Ann. § 78B-5-506 (d) to cover heirlooms. For single debtors filing, it has a coverage limit of $1,000.

Utah Code Ann. § 78B-5-507

Most people use Utah Code Ann. § 78B-5-507 to cover proceeds for sold, lost, or damaged exempt property. For single debtors filing, it has no coverage limit.

Utah Exemptions F.A.Q.

Bankruptcy exemptions protect the equity in certain property. Property that is exempt cannot be used to pay debts. Therefore, a debtor is permitted to keep all exempt property. If you have more questions about exemptions, check out this article.

For expanded descriptions, go to the exemption page for Utah. Below are common questions people have about assets and exemptions:

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