{"data":{"id":"us-ky/krs-427.010","jurisdiction":"us-ky","citation":"KRS 427.010","heading":"Exempt  personal property, health savings funds, and disposable","body":"earnings of individual debtors.\n(1) The following personal property of an individual debtor resident in this state is\nexempt  from execution, attachment, garnishment, distress or fee-bill: All\nhousehold furnishings, jewelry, personal clothing and ornaments not to exceed\nthree thousand dollars ($3,000) in value; tools, equipment and livestock,\nincluding poultry, of a person engaged  in farming, not exceeding three\nthousand dollars ($3,000) in value; one (1) motor vehicle and its necessary\naccessories, including one (1) spare tire, not exceeding in the aggregate two\nthousand  five hundred dollars ($2,500) in value; professionally prescribed\nhealth aids for the debtor, or a dependent of the debtor; and funds deposited in\na health savings account as described in Section 223 of the Internal Revenue\nCode  of 1986.\n(2) Except as provided in subsection (3) of this section and KRS  427.050, the\nmaximum  part of the aggregate disposable earnings of an individual for any\nworkweek  which is subjected to garnishment may  not exceed the lesser of\neither:\n(a) Twenty-five percent (25%) of his disposable earnings for that week, or\n(b) The amount by which his disposable earnings for that week exceed thirty\n(30) times the federal minimum hourly wage prescribed by Section 6(a)(1)\nof the Fair Labor Standards Act of 1938 in effect at the time the earnings\nare payable. In the case of earnings for any pay period other than a week,\nthe multiple of the federal minimum  hourly wage equivalent to that set\nforth in paragraph (b) of this subsection as prescribed by regulation by the\nfederal secretary of labor shall apply.\n(3) The restrictions of subsection (2) of this section do not apply in the case of:\n(a) Any order of any court for the support of any person.\n(b) Any order of any court of bankruptcy under Chapter 13 of the Bankruptcy\nCode.\n(c) Any debt due for any state or federal tax.\n(4) Notwithstanding any other provision of law, no property upon which a debtor\nhas voluntarily granted a lien shall, to the extent of the balance due on the debt\nsecured thereby, be subject to the provisions of this chapter or be exempt from\nforced sale under process of law.","path":["KRS Chapter 427"],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=46624","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:59:45Z","sha256":"f813fa468097ce0ea2f3016abd509a1f246cd13a336e7c9ca2ff392c4fb9b988","source_id":"us-ky","stale":false,"prev":"us-ky/krs-427.005","next":"us-ky/krs-427.020"},"notice":"GroundRules: Original legal text. Not legal advice."}