How to file bankruptcy in utah?

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Filing for bankruptcy can be a complex and overwhelming process, but understanding the necessary steps and requirements can help alleviate some of the stress. This article will provide an in-depth guide on how to file bankruptcy in Utah, outlining the key information you need to know.

Types of Bankruptcy

Before diving into the process, it’s important to understand the different types of bankruptcy available in Utah. The most common types are Chapter 7 and Chapter 13 bankruptcy.

Chapter 7 Bankruptcy: This type of bankruptcy is often referred to as “liquidation bankruptcy.” It involves the sale of non-exempt assets to repay creditors. Chapter 7 bankruptcy is typically suitable for individuals with limited income and significant debt.

Chapter 13 Bankruptcy: Also known as “reorganization bankruptcy,” Chapter 13 allows individuals to create a repayment plan to pay off their debts over a period of three to five years. This type of bankruptcy is suitable for individuals with a regular income who can afford to make monthly payments.

Eligibility Requirements

To file for bankruptcy in Utah, you must meet certain eligibility requirements. These requirements vary depending on the type of bankruptcy you choose.

Chapter 7 Bankruptcy Eligibility: To qualify for Chapter 7 bankruptcy, you must pass the means test. This test compares your income to the median income in Utah. If your income is below the median, you are eligible to file for Chapter 7. If your income is above the median, you may still qualify based on your expenses and other factors.

Chapter 13 Bankruptcy Eligibility: There are no income restrictions for Chapter 13 bankruptcy. However, you must have a regular source of income to create a feasible repayment plan.

Filing Process

Once you determine your eligibility and decide on the type of bankruptcy, you can begin the filing process. Here are the general steps involved:

1. Credit Counseling: Before filing for bankruptcy, you must complete a credit counseling course from an approved agency. This course aims to provide you with information and alternatives to bankruptcy.

2. Prepare the Necessary Documents: Gather all the required documents, including your financial statements, tax returns, pay stubs, and a list of your assets and liabilities. These documents will be crucial in assessing your financial situation.

3. Complete the Bankruptcy Forms: Fill out the necessary bankruptcy forms, which include schedules detailing your income, expenses, assets, and debts. These forms provide a comprehensive overview of your financial situation.

4. File the Bankruptcy Petition: Submit your completed bankruptcy forms, along with the filing fee, to the Utah bankruptcy court. You can file either electronically or in person.

5. Attend the Meeting of Creditors: After filing, you will be required to attend a meeting of creditors. This meeting allows the bankruptcy trustee and your creditors to ask you questions about your financial affairs. It is essential to be honest and provide accurate information during this meeting.

6. Financial Management Course: Before receiving a discharge, you must complete a financial management course from an approved agency. This course aims to provide you with the necessary tools to manage your finances effectively in the future.


Filing for bankruptcy in Utah can be a complex process, but understanding the steps involved and meeting the eligibility requirements can help you navigate through it. Whether you choose Chapter 7 or Chapter 13 bankruptcy, it is crucial to gather all the necessary documents, complete the required forms, and comply with the court’s procedures. Consulting with a bankruptcy attorney can also provide valuable guidance throughout the process.


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