What Creditors Can't Take in Idaho
Money, home and vehicle exemptions that protect your property from creditors in Idaho.
Short answer: No separate bank account exemption. Earned but unpaid wages are exempt to the extent of the wage limits, and a debtor may claim up to $1,500 in any tangible personal property. Idaho Code § 11-605(10), (11)
| Money protected in a bank account | No separate bank account exemption. Earned but unpaid wages are exempt to the extent of the wage limits, and a debtor may claim up to $1,500 in any tangible personal property. Exempt federal benefits keep their protection under federal law. Whether money in an account is 'tangible personal property' for the $1,500 exemption was not confirmed. Source: Idaho Code § 11-605(10), (11) |
|---|---|
| Homestead exemption | Up to $175,000, with no limit on land area. Last amended 2020 (ch. 232). Source: Idaho Code § 55-1003 |
| Vehicle exemption | One motor vehicle up to $10,000 in value. Source: Idaho Code § 11-605(3) |
| Bankruptcy exemptions | Idaho has opted out of the federal exemptions. In bankruptcy, an Idaho debtor may exempt only property allowed under Idaho law. Source: Idaho Code § 11-609 |
Where to get help in Idaho
- Idaho Department of Finance, Consumer Finance Bureau (licenses collection agencies)
- File a complaint or claim
More Idaho debt & collections
- Statute of Limitations on Debt in Idaho
- Wage Garnishment in Idaho
- How to Respond to a Debt Collection Lawsuit in Idaho
- Medical Debt Protections in Idaho
- All Idaho debt & collections rules
FAQ
How much money in a bank account is protected from creditors in Idaho?
No separate bank account exemption. Earned but unpaid wages are exempt to the extent of the wage limits, and a debtor may claim up to $1,500 in any tangible personal property. Exempt federal benefits keep their protection under federal law.
What is the homestead exemption in Idaho?
Up to $175,000, with no limit on land area.
Can a creditor take my car in Idaho?
One motor vehicle up to $10,000 in value.
Which bankruptcy exemptions can I use in Idaho?
Idaho has opted out of the federal exemptions. In bankruptcy, an Idaho debtor may exempt only property allowed under Idaho law.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.