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Wage Garnishment Limits in Utah

In Utah, garnishment for a consumer credit judgment is limited to the lesser of 25% of disposable earnings or the amount above 30 times the federal minimum wage per week, or 15% for certain education loans.

Last checked . General information, not legal advice.

Utah at a glance

Garnishment limit for consumer debt
Lesser of 25% or amount above 30x federal minimum wage
Limit is 15% of disposable earnings if the judgment relates to a qualifying education loan.
Garnishment allowed for consumer debt
Yes
Stricter than federal limit
No, matches federal limit
Head of household exemption
No

Sources

Last checked

The rules in Utah

How much of your wages can be garnished for consumer debt in Utah?

Garnishment limit for consumer debt in Utah: Lesser of 25% or amount above 30x federal minimum wage. Limit is 15% of disposable earnings if the judgment relates to a qualifying education loan.

Can wages be garnished for ordinary consumer debt in Utah?

Yes. Garnishment allowed for consumer debt in Utah: yes.

Does Utah protect more wages from garnishment than federal law?

No, matches federal limit. Stricter than federal limit in Utah: no, matches federal limit.

Does Utah give extra garnishment protection to a head of household?

No. Head of household exemption in Utah: no.

Where do the Utah wage garnishment limits come from?

The rules above come from Utah Code 70C-7-103. Each source is linked on this page. We last checked them in October 2026.

Good to know

This limit applies to judgments arising from a consumer credit agreement.

What this means in practice

Disposable earnings are what remains after deductions the law requires, such as income tax, Social Security and required withholding. Voluntary deductions like health insurance or retirement contributions are usually not subtracted, so the protected amount is often less than take home pay suggests.

The limits in this guide apply to ordinary consumer debt. Child support, alimony, federal and state taxes, and federal student loans follow separate rules that often allow a larger share of pay to be taken, even in states with strict limits for other debts.

Exemptions are often not applied automatically. A worker may need to file a claim of exemption with the court within a short deadline after receiving notice of the garnishment. Reading the notice promptly, and talking with the creditor about a payment plan or settlement, can keep more of each paycheck.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.