No attorney fees upfront
Free Bankruptcy Consultation
Free Bankruptcy Consultation
Are you struggling with debts and there is no relief in sight? Are you concerned about how to navigate the road ahead? There is help available. Call or text us now to discuss your options. There is no cost for this helpful consultation.
Now offering student loan relief
Serving all of Utah
Remote services, no office visit required
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10 things you need to know before you file
These tips will help you avoid more costs, delays, or complexity no matter how you file.
These tips will help you avoid more costs, delays, or complexity no matter how you file.
40+
Combined years of experience
5,800+
Successful cases
4.9
Star rating from clients
40+
Combined years of experience
5,800+
Successful cases
4.9
Star rating from clients
40+
Combined years of experience
5,800+
Successful cases
4.9
Star rating from clients
Chapter 7 bankruptcy
Chapter 7 is the so-called "fresh start" type of bankruptcy. It immediately stops wage garnishments and all collection activity. No more calls or lawsuits. It clears all of your unsecured debt, including those piled-up medical bills, credit card balances, certain types of loans and repossessions, broken leases, and more.
Chapter 7 is the so-called "fresh start" type of bankruptcy. It immediately stops wage garnishments and all collection activity. No more calls or lawsuits. It clears all of your unsecured debt, including those piled-up medical bills, credit card balances, certain types of loans and repossessions, broken leases, and more.
Chapter 13 bankruptcy
Chapter 13 bankruptcy is a debt consolidation program that is supervised by the federal bankruptcy court based in Salt Lake City. With a Chapter 13 filing, you will make monthly payments for a set period of time to a bankruptcy trustee. Whatever isn't paid off by the end of the payment plan is wiped out. Unlike private debt consolidation programs, creditors cannot opt out of chapter 13 and continue to pursue you.
Chapter 13 bankruptcy is a debt consolidation program that is supervised by the federal bankruptcy court based in Salt Lake City. With a Chapter 13 filing, you will make monthly payments for a set period of time to a bankruptcy trustee. Whatever isn't paid off by the end of the payment plan is wiped out. Unlike private debt consolidation programs, creditors cannot opt out of chapter 13 and continue to pursue you.
Student loan relief
Recent federal policy changes allow student loans to be discharged through bankruptcy in many cases. Contact us now to see if your debt qualifies.
Recent federal policy changes allow student loans to be discharged through bankruptcy in many cases. Contact us now to see if your debt qualifies.
Zero attorney fees upfront
There is no cost to get some quick answers to your questions and help guide you in making a decision about whether to file bankruptcy.
There is no cost to get some quick answers to your questions and help guide you in making a decision about whether to file bankruptcy.
Our team is filled with experienced legal professionals who care about helping you reach financial peace ❦
Our team is filled with experienced legal professionals who care about helping you reach financial peace ❦
Find answers to all your questions
Find answers to all your questions
When you call us, we will take the time to go over your individual facts and circumstances to ensure you receive the bankruptcy relief you need. We will present the available options so that you can make the choice that is right for you and your family.
When you call us, we will take the time to go over your individual facts and circumstances to ensure you receive the bankruptcy relief you need. We will present the available options so that you can make the choice that is right for you and your family.
01
Bankruptcy eligibility
Bankruptcy eligibility
Before we confirm whether or not your claim will be eligible for bankruptcy in Utah, we will sit down and go over your individual needs to determine which kind of bankruptcy is best for you.
Before we confirm whether or not your claim will be eligible for bankruptcy in Utah, we will sit down and go over your individual needs to determine which kind of bankruptcy is best for you.
02
Bankruptcy terms defined
Bankruptcy terms defined
Here are definitions of the most common terms used in the Utah bankruptcy process.
Here are definitions of the most common terms used in the Utah bankruptcy process.
03
Debt eligibility
Debt eligibility
Filing Chapter 7 bankruptcy in Utah is going to eliminate most of your unsecured debt such as credit cards, medical bills, payday loans, broken leases and repossessions.
Filing Chapter 7 bankruptcy in Utah is going to eliminate most of your unsecured debt such as credit cards, medical bills, payday loans, broken leases and repossessions.
04
Means test
Means test
The "Means Test" is an analysis of your household income and how it compares to other families of the same size in Utah. If the Means Test finds you have too much income, you may not be eligible for Chapter 7. Likewise, if you file Chapter 13 the Means Test dictates how much your monthly bankruptcy payment has to be.
The "Means Test" is an analysis of your household income and how it compares to other families of the same size in Utah. If the Means Test finds you have too much income, you may not be eligible for Chapter 7. Likewise, if you file Chapter 13 the Means Test dictates how much your monthly bankruptcy payment has to be.
05
Property loss
Property loss
Filing bankruptcy doesn’t mean you will be stripped of all your possessions or left homeless. Most of your essential personal property is protected by law and cannot be taken from you.
Filing bankruptcy doesn’t mean you will be stripped of all your possessions or left homeless. Most of your essential personal property is protected by law and cannot be taken from you.
06
Filing process
Filing process
The first step in filing a Chapter 7 or 13 bankruptcy is your call to us, during which we will talk about your specific financial situation and explain our fees and our process.
The first step in filing a Chapter 7 or 13 bankruptcy is your call to us, during which we will talk about your specific financial situation and explain our fees and our process.
Grady, Aaron and Evelyn were amazing!!! I feel so happy that I could do the process with them, everything was so easy and they reach out very quickly. They were there for me and my Husband for every question that we had. They explained everything, super easy to understand and if this is something that you looking into I would definitely recommend working with them!!!
Monica Solis
2026
Grady & Evelyn are very professional and efficient, the whole process was painless. All my questions were answered promptly, very friendly and never condescending. I also appreciated the payment methods which made it a lot easier for me.
Timothy Montague
2026
Even thinking about Bankruptcy is scary, and it is stressful, but you have all of the support you need here. Aaron, Grady, and Evelyn are amazing. I have anxiety about a lot of things, but they were always patient and understanding. I also love that I was able to do this through text and calling. Thank you for everything!
Mckenzie Zoani
2026
Aaron, Grady, and Evelyn were incredibly helpful throughout my bankruptcy process. They were professional, responsive, and made everything easy to understand. Their guidance helped reduce a lot of stress, and supported. I highly recommend them to anyone needing bankruptcy assistance. Thank you!
Juan Lopez
2026
Highly Recommend! If you’re facing financial hardships, wage garnishments, backup taxes, collection agencies won’t leave you alone! They made the process super quick and simple. Great communication and professionalism where always just a text away from answering any concerns or questions. Grady and Evelyn have been very helpful!
Genaro Ramirez
2026
Grady, Aaron and Evelyn were amazing!!! I feel so happy that I could do the process with them, everything was so easy and they reach out very quickly. They were there for me and my Husband for every question that we had. They explained everything, super easy to understand and if this is something that you looking into I would definitely recommend working with them!!!
Monica Solis
2026
Grady & Evelyn are very professional and efficient, the whole process was painless. All my questions were answered promptly, very friendly and never condescending. I also appreciated the payment methods which made it a lot easier for me.
Timothy Montague
2026
Even thinking about Bankruptcy is scary, and it is stressful, but you have all of the support you need here. Aaron, Grady, and Evelyn are amazing. I have anxiety about a lot of things, but they were always patient and understanding. I also love that I was able to do this through text and calling. Thank you for everything!
Mckenzie Zoani
2026
Aaron, Grady, and Evelyn were incredibly helpful throughout my bankruptcy process. They were professional, responsive, and made everything easy to understand. Their guidance helped reduce a lot of stress, and supported. I highly recommend them to anyone needing bankruptcy assistance. Thank you!
Juan Lopez
2026
Highly Recommend! If you’re facing financial hardships, wage garnishments, backup taxes, collection agencies won’t leave you alone! They made the process super quick and simple. Great communication and professionalism where always just a text away from answering any concerns or questions. Grady and Evelyn have been very helpful!
Genaro Ramirez
2026
Grady, Aaron and Evelyn were amazing!!! I feel so happy that I could do the process with them, everything was so easy and they reach out very quickly. They were there for me and my Husband for every question that we had. They explained everything, super easy to understand and if this is something that you looking into I would definitely recommend working with them!!!
Monica Solis
2026
Grady & Evelyn are very professional and efficient, the whole process was painless. All my questions were answered promptly, very friendly and never condescending. I also appreciated the payment methods which made it a lot easier for me.
Timothy Montague
2026
Even thinking about Bankruptcy is scary, and it is stressful, but you have all of the support you need here. Aaron, Grady, and Evelyn are amazing. I have anxiety about a lot of things, but they were always patient and understanding. I also love that I was able to do this through text and calling. Thank you for everything!
Mckenzie Zoani
2026
Aaron, Grady, and Evelyn were incredibly helpful throughout my bankruptcy process. They were professional, responsive, and made everything easy to understand. Their guidance helped reduce a lot of stress, and supported. I highly recommend them to anyone needing bankruptcy assistance. Thank you!
Juan Lopez
2026
Highly Recommend! If you’re facing financial hardships, wage garnishments, backup taxes, collection agencies won’t leave you alone! They made the process super quick and simple. Great communication and professionalism where always just a text away from answering any concerns or questions. Grady and Evelyn have been very helpful!
Genaro Ramirez
2026
FAQs
FAQs
Whether you file with us or not, we can help you find all the information and resources you need to resolve your debt.
Whether you file with us or not, we can help you find all the information and resources you need to resolve your debt.
Do I have to pay attorney fees before filing bankruptcy?
Which areas of Utah do you serve?
Do I need to come into your office?
Is the bankruptcy consultation really free?
Do you help with student loan debt?
Will filing bankruptcy stop collection calls and wage garnishments?
Is bankruptcy the right choice for my situation?
How do I get started?
Get started now
Get started now
Info
2150 South 1300 East, Ste. 500
Salt Lake City, Utah 84106
221 25th Street
Ogden, UT 84401
180 N. University Avenue, Ste. 270
Provo, UT 84601
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Info
2150 South 1300 East, Ste. 500
Salt Lake City, Utah 84106
221 25th Street
Ogden, UT 84401
180 N. University Avenue, Ste. 270
Provo, UT 84601
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Info
2150 South 1300 East, Ste. 500
Salt Lake City, Utah 84106
221 25th Street
Ogden, UT 84401
180 N. University Avenue, Ste. 270
Provo, UT 84601
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Text us
Text us