State Debt Laws
Utah Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to Utah
Utah (UT) - At a Glance
| State Consumer Protection Law | Utah Consumer Sales Practices Act |
| Source | Utah Code ยง 13-11-1 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,000 in bank |
| Homestead Exemption | $42,700 |
Key Protections in Utah
- FDCPA applies to third-party collectors
- Consumer Sales Practices Act covers deceptive collection
- Homestead exemption: $42,700
Wage Garnishment in Utah
After a court judgment, creditors in Utah can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - Utah follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in Utah
If a debt collector violates the FDCPA or Utah Consumer Sales Practices Act:
- File with the Utah Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)