Utah Judgment Enforcement Guide | Debt Collection & Skip Tracing

Utah Judgment Enforcement — Quick Facts

8 yrs

Judgment Lifespan

6 yrs

Debt SOL (Written)

3.5%

Post-Judgment Interest

✗

COMMUNITY PROPERTY STATE

Utah has a moderate 8-year judgment lien and a low post-judgment interest rate of approximately 3.5%. Wage garnishment is available with standard protections, and the homestead exemption of $42,700 is moderate. Bank levies are an effective collection tool.

Utah Statute of Limitations on Debt

Debt Type	Limitation Period	Statute
Written Contract	6 years	`Utah Code §78B-2-309`
Open Account / Credit Card	6 years	`Utah Code §78B-2-309`
Oral Contract	4 years	`Utah Code §78B-2-307`
Promissory Note	6 years	`Utah Code §78B-2-309`
Judgment Lien	8 years	`Utah Code §78B-6-1303`

Utah’s 6-year SOL for written contracts is standard. Oral contracts carry a shorter 4-year period. Utah courts strictly apply the date-of-default accrual rule.

Post-Judgment Interest Rate

Utah post-judgment interest is set at the federal discount rate plus 2% under Utah Code §15-1-4. Currently approximately 3.5% per annum. Adjusted annually.

Judgment Recovery Methods in Utah

Wage Garnishment yes

Utah allows wage garnishment of 25% of disposable earnings under Utah Code §70C-7-103. Employer receives a continuing writ of garnishment.

Bank Account Levy yes

Bank account garnishments are available after judgment under Utah Code §78B-5-322. Financial institutions must hold non-exempt funds.

Abstract of Judgment / Lien yes

Recording an abstract of judgment in the county recorder’s office creates a lien on all non-exempt real property in that county (Utah Code §78B-5-202). Lien lasts 8 years.

Turnover Order yes

Utah courts may issue supplemental proceedings compelling debtors to appear and disclose non-exempt assets under Utah Code §78B-5-321.

Writ of Execution yes

Writs of execution allow the sheriff to levy on non-exempt personal property (Utah Code §78B-5-302).

Vehicle Levy yes

Utah exempts one motor vehicle up to $3,000 in equity under Utah Code §78B-5-505(1)(i). Additional vehicles or equity above the cap may be levied.

Debtor Exemptions

Asset Type	Exemption Amount	Statute
Homestead	$42,700 ($85,400 married)	`Utah Code §78B-5-503`
Motor Vehicle	$3,000 equity	`Utah Code §78B-5-505(1)(i)`
Wages	75% of disposable earnings	`Utah Code §70C-7-103`
Personal Property	$1,000 general	`Utah Code §78B-5-505`
Retirement	All ERISA-qualified plans	`Utah Code §78B-5-505(1)(a)`

Judgment Value Calculator

Estimate Your Utah Judgment Value

Original Judgment ($)

Annual Interest Rate (%)

Years Elapsed

Official Utah Resources

Utah Courts – OCAP Case SearchCivil case records statewide Utah SOS – Business Entity SearchEntity & registered agent lookup Utah County Recorder – Property RecordsReal property & judgment liens Utah Legislature – Utah CodeOfficial state statutes

Need Help Enforcing a Judgment in Utah?

Asset Investigation provides skip tracing, asset location, and judgment enforcement support nationwide. Let us help you collect.

Submit Your Case

Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Utah attorney before taking collection action.