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
Sí hablamos español
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
In Utah, 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.
In Utah, 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.
Wonderful experience with Aaron and his colleagues. We filed for bankruptcy earlier this year with his help, and have had nothing but good things to say about the office. Everyone was great at communication and very professional. The process was made easy to understand, and every condition was fully explained to us, and every question was answered in a timely manner.
Quentin Tenney
2025
Aaron took the time to explain every step and gave us confidence when we needed it most. The team was responsive, calm, and incredibly thorough from the first call through filing.
Maria Velasquez
2025
The process felt organized and respectful. Every deadline was clear, every document was handled carefully, and we always knew what came next.
Darren Phillips
2024
They made a stressful legal situation feel manageable. Communication was fast, direct, and human, and the outcome gave our family room to breathe again.
Hannah Kim
2024
Professional, patient, and honest from start to finish. I never felt rushed, and every question was answered in plain language.
Robert Gaines
2023
Wonderful experience with Aaron and his colleagues. We filed for bankruptcy earlier this year with his help, and have had nothing but good things to say about the office. Everyone was great at communication and very professional. The process was made easy to understand, and every condition was fully explained to us, and every question was answered in a timely manner.
Quentin Tenney
2025
Aaron took the time to explain every step and gave us confidence when we needed it most. The team was responsive, calm, and incredibly thorough from the first call through filing.
Maria Velasquez
2025
The process felt organized and respectful. Every deadline was clear, every document was handled carefully, and we always knew what came next.
Darren Phillips
2024
They made a stressful legal situation feel manageable. Communication was fast, direct, and human, and the outcome gave our family room to breathe again.
Hannah Kim
2024
Professional, patient, and honest from start to finish. I never felt rushed, and every question was answered in plain language.
Robert Gaines
2023
Wonderful experience with Aaron and his colleagues. We filed for bankruptcy earlier this year with his help, and have had nothing but good things to say about the office. Everyone was great at communication and very professional. The process was made easy to understand, and every condition was fully explained to us, and every question was answered in a timely manner.
Quentin Tenney
2025
Aaron took the time to explain every step and gave us confidence when we needed it most. The team was responsive, calm, and incredibly thorough from the first call through filing.
Maria Velasquez
2025
The process felt organized and respectful. Every deadline was clear, every document was handled carefully, and we always knew what came next.
Darren Phillips
2024
They made a stressful legal situation feel manageable. Communication was fast, direct, and human, and the outcome gave our family room to breathe again.
Hannah Kim
2024
Professional, patient, and honest from start to finish. I never felt rushed, and every question was answered in plain language.
Robert Gaines
2023
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
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Info
2150 South 1300 East, Ste. 500
Salt Lake City, Utah 84106
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Info
2150 South 1300 East, Ste. 500
Salt Lake City, Utah 84106
Utah Bankruptcy Clinic.
©️ 2026.
Legal
Text us
Text us