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Bankruptcy in Utah: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Utah. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $43,300 ($86,600 for married couple).
  • Vehicle exemption: $3,000.
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13) typical.
$43,300 ($86,600 for married couple) Homestead exemption
$3,000 Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Utah Bankruptcy Exemptions

  • Homestead$43,300 ($86,600 for married couple)
  • Vehicle$3,000
  • Personal property$1,000 household furnishings; $1,000 books/artwork
  • WildcardNone
  • Federal exemptionsNot available

Means Test: Utah Median Income

To qualify for Chapter 7 in Utah, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$60,200
  • 2 people$73,800
  • 3 people$84,600
  • 4 people$98,200

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13)
  • Court districtsDistrict of Utah

Utah bankruptcy court

Related Resources

Frequently Asked Questions

  • What is the homestead exemption in Utah?

    Utah allows up to $43,300 for an individual or $86,600 for a married couple in homestead protection.

  • Can I use federal exemptions in Utah?

    No. Utah requires debtors to use the state exemption system.

  • What is Utah's vehicle exemption?

    Utah allows a $3,000 vehicle exemption.

  • Are retirement accounts protected in Utah bankruptcy?

    Yes. ERISA-qualified plans and IRAs are generally fully exempt in Utah.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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