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.
Serving all of Utah County and the rest of Utah
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.
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 County
Remote services, no office visit required
Sí hablamos español
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
Utah County Services
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.
The following are some comments from our Utah clients. These are real statements taken directly from Google Reviews about Utah Bankruptcy Clinic.
4.9
average rating
Highly Recommend! If you’re facing financial hardships , wage garnishments, backup taxes, collection agencies won’t leave you alone! 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!
5.0
Genaro Ramirez
2026
Highly Recommend! If you’re facing financial hardships , wage garnishments, backup taxes, collection agencies won’t leave you alone! 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!
5.0
Genaro Ramirez
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
5.0
Juan Lopez
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
5.0
Juan Lopez
2026
Grady, Aaron and Evelyn were amazing!!! I feel so happy that I could do the process with them everything was so easy they reach out very quickly and 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 !!!! Just really amazing
5.0
Monica Solis
2026
Grady, Aaron and Evelyn were amazing!!! I feel so happy that I could do the process with them everything was so easy they reach out very quickly and 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 !!!! Just really amazing
5.0
Monica Solis
2026
Grady and Evelyn have been a great help. They have made everything so easy and no stress. They answer all my questions quickly and address any concerns I may have. I recommend anyone looking for a bankruptcy attorney, choose this place and you won’t regret it.
5.0
Bryce Hackney
2026
Grady and Evelyn have been a great help. They have made everything so easy and no stress. They answer all my questions quickly and address any concerns I may have. I recommend anyone looking for a bankruptcy attorney, choose this place and you won’t regret it.
5.0
Bryce Hackney
2026
I highly recommend Aaron, Grady and Evelyn if you need to file bankruptcy. They were very professional. Communication, kindness and knowledge was top tier, and they made a difficult decision feel more manageable. The whole process was very easy and was all done over the phone and online. Thank you for all your hard work and I appreciate all of you very much!
5.0
Lana Montgomery
2025
I highly recommend Aaron, Grady and Evelyn if you need to file bankruptcy. They were very professional. Communication, kindness and knowledge was top tier, and they made a difficult decision feel more manageable. The whole process was very easy and was all done over the phone and online. Thank you for all your hard work and I appreciate all of you very much!
5.0
Lana Montgomery
2025
Grady and Evelyn were awesome! Bankruptcy is already daunting but their excellent, thorough communication made filling Chapter 7 a breeze. Evelyn was so sweet and patient with me, Grady was concise and I felt very prepared for every step of the process. I genuinely appreciate their work and highly recommend their firm.
5.0
Arcadia Ashton
2026
Grady and Evelyn were awesome! Bankruptcy is already daunting but their excellent, thorough communication made filling Chapter 7 a breeze. Evelyn was so sweet and patient with me, Grady was concise and I felt very prepared for every step of the process. I genuinely appreciate their work and highly recommend their firm.
5.0
Arcadia Ashton
2026
Grady is the absolute best he explained everything and was transparent and patient and extremely fast process for my husband and I! Thanks to Utah Bankruptcy clinic!
5.0
Kaylee Roberts
2026
Grady is the absolute best he explained everything and was transparent and patient and extremely fast process for my husband and I! Thanks to Utah Bankruptcy clinic!
5.0
Kaylee Roberts
2026
Aaron and Grady were so helpful! I was really nervous to file bankruptcy and had a lot of questions along the way. They were quick to respond and guided me so the journey was pain free. They also encouraged me to complete steps that would make the process easier for me in the long-run, post bankruptcy. Hopefully I’ll never have to do this again, but if I did, they were great to work with!
5.0
Steven Bristow
2025
Aaron and Grady were so helpful! I was really nervous to file bankruptcy and had a lot of questions along the way. They were quick to respond and guided me so the journey was pain free. They also encouraged me to complete steps that would make the process easier for me in the long-run, post bankruptcy. Hopefully I’ll never have to do this again, but if I did, they were great to work with!
5.0
Steven Bristow
2025
Grady was able to help me understand everything and he made the process easier and quicker than expected. Great help.
5.0
Luis Bautista
2026
Grady was able to help me understand everything and he made the process easier and quicker than expected. Great help.
5.0
Luis Bautista
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!
5.0
Mckenzie Zoani
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!
5.0
Mckenzie Zoani
2026
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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