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 Salt Lake 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 Salt Lake 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
Salt Lake 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 Salt Lake County clients. These are real statements taken directly from Google Reviews about Utah Bankruptcy Clinic.
4.9
average rating
They did fantastic! Especially now that they let you pay monthly to actually afford to do it. Grady and Evelyn were flawless in communication and helped me out with everything. Simple and easy process.
5.0
Troy Jowell
2025
They did fantastic! Especially now that they let you pay monthly to actually afford to do it. Grady and Evelyn were flawless in communication and helped me out with everything. Simple and easy process.
5.0
Troy Jowell
2025
They did fantastic! Especially now that they let you pay monthly to actually afford to do it. Grady and Evelyn were flawless in communication and helped me out with everything. Simple and easy process.
5.0
Timothy Montague
2026
They did fantastic! Especially now that they let you pay monthly to actually afford to do it. Grady and Evelyn were flawless in communication and helped me out with everything. Simple and easy process.
5.0
Timothy Montague
2026
Grady was incredible to work with, he answered my endless questions promptly and professionally. He made what could have been a very scary experience feel easy. Couldn’t recommend them enough.
5.0
Amanda Bowden
2026
Grady was incredible to work with, he answered my endless questions promptly and professionally. He made what could have been a very scary experience feel easy. Couldn’t recommend them enough.
5.0
Amanda Bowden
2026
So my mom had to file bankruptcy a 7 and wipe her debt clean. Arron and Grady are awesome people and great to work with. My mother is older and they helped her through it perfectly and treated her like family. They were there step by step, and answered every question even if asked a few times lol. I will tell all about these guys and there firm and how awesome they are. Thanks Arron & Grady.
5.0
Joshua Mitchell
2025
So my mom had to file bankruptcy a 7 and wipe her debt clean. Arron and Grady are awesome people and great to work with. My mother is older and they helped her through it perfectly and treated her like family. They were there step by step, and answered every question even if asked a few times lol. I will tell all about these guys and there firm and how awesome they are. Thanks Arron & Grady.
5.0
Joshua Mitchell
2025
Grady was incredible to work with! He made the whole entire process seamless for me and even called me a couple times to clarify some questions I had. He never made me feel that I was alone while making a hard decision. I felt like he wanted to move things along quickly for me and reassured me that he would do everything he could for me. I would definitely work with him again if I ever needed to and would highly recommend him to others!
5.0
Carli Church
2025
Grady was incredible to work with! He made the whole entire process seamless for me and even called me a couple times to clarify some questions I had. He never made me feel that I was alone while making a hard decision. I felt like he wanted to move things along quickly for me and reassured me that he would do everything he could for me. I would definitely work with him again if I ever needed to and would highly recommend him to others!
5.0
Carli Church
2025
Aaron and Grady are amazing! They helped us out so fast when we were struggling! Process is fast and easy! No amount of questions or calls bother them! They answer as fast as possible and make you feel comfortable.
5.0
Andrea Rubio
2025
Aaron and Grady are amazing! They helped us out so fast when we were struggling! Process is fast and easy! No amount of questions or calls bother them! They answer as fast as possible and make you feel comfortable.
5.0
Andrea Rubio
2025
Process has not been stressful whatsoever. Working with Grady has been great! You guys have really made this experience very easygoing. I would recommend the bankruptcy clinic to anyone thinking about bankruptcy they explain well and answer all the questions and get the process going super fast.Thank you!
5.0
Melissa M
2025
Process has not been stressful whatsoever. Working with Grady has been great! You guys have really made this experience very easygoing. I would recommend the bankruptcy clinic to anyone thinking about bankruptcy they explain well and answer all the questions and get the process going super fast.Thank you!
5.0
Melissa M
2025
Working with Grady was great!!! He was more than helpful with all My questions. Even was willing to work on my case on a holiday weekend. Very fast and efficient as well. Will recommend.
5.0
Kyla Soto
2025
Working with Grady was great!!! He was more than helpful with all My questions. Even was willing to work on my case on a holiday weekend. Very fast and efficient as well. Will recommend.
5.0
Kyla Soto
2025
Grady and Evelyn were quick, efficient, and professional throughout the entire process. They made everything clear and stress-free.
5.0
Isa E.
2026
Grady and Evelyn were quick, efficient, and professional throughout the entire process. They made everything clear and stress-free.
5.0
Isa E.
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
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