What Creditors Cannot Take
KRS 427.010 — household goods to $3,000, a vehicle to $2,500, and most of a paycheck
- Household furnishings, jewelry, personal clothing and ornaments, up to $3,000 in value.
- A farmer's tools, equipment and livestock, up to $3,000.
- One motor vehicle and its accessories, up to $2,500.
- Prescribed health aids, and money in a health savings account.
A garnishment takes no more in a week than the lesser of 25 percent of disposable earnings, or the amount by which disposable earnings exceed thirty times the federal minimum hourly wage. Disposable earnings are what is left after the deductions the law requires.
A debtor's interest in a home or burial plot, up to $5,000, is also exempt, though not against a mortgage on it or a debt that existed before the property was bought.
Sources for this section (3)
- KRS 427.005 — Definitions
- KRS 427.010 — Exempt personal property, health savings funds, and disposable earnings of individual debtors
- KRS 427.060 — Homestead and burial plot exemptions -- Exceptions
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Kentucky attorney.