How to file for bankruptcy in utah?

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



Filing for bankruptcy can be a complex and overwhelming process. If you find yourself in a dire financial situation in Utah and are considering bankruptcy as an option, it is essential to understand the steps involved and the specific requirements in the state. This article will guide you through the process of filing for bankruptcy in Utah, providing you with the necessary information to make informed decisions.

Types of Bankruptcy

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

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

Chapter 13 Bankruptcy: Chapter 13 bankruptcy, also known as “reorganization” bankruptcy, 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 want to keep their assets and catch up on missed payments.

Eligibility Requirements

To file for bankruptcy in Utah, you must meet certain eligibility requirements. These requirements include:

Means Test: The means test determines if your income is below the median income in Utah for a household of your size. If your income is below the median, you are eligible to file for Chapter 7 bankruptcy. If your income exceeds the median, you may still be eligible for Chapter 7 bankruptcy if you pass a more detailed means test.

Credit Counseling: Before filing for bankruptcy, you must complete a credit counseling course from an approved agency. This course helps you explore alternatives to bankruptcy and provides essential financial education.

The Filing Process

Once you have determined your eligibility and completed the necessary credit counseling, you can proceed with the filing process. Here are the steps involved in filing for bankruptcy in Utah:

1. Gather Required Documents: Collect all relevant financial documents, including tax returns, income statements, and a list of your assets and liabilities.

2. Complete Bankruptcy Forms: Fill out the necessary bankruptcy forms, including the petition, schedules, and statement of financial affairs. These forms require detailed information about your income, expenses, debts, and assets.

3. File the Forms: Submit the completed bankruptcy forms to the Utah Bankruptcy Court along with the required filing fee. If you cannot afford the fee, you may request a fee waiver.

4. Attend the Meeting of Creditors: After filing, you will be scheduled for a meeting of creditors, also known as a 341 meeting. During this meeting, you will answer questions about your financial situation under oath. Creditors may attend but rarely do.

5. Complete Financial Management Course: After the meeting of creditors, you must complete a financial management course from an approved agency. This course provides guidance on budgeting, money management, and rebuilding credit.

6. Discharge of Debts: If you have filed for Chapter 7 bankruptcy, your eligible debts will be discharged approximately 60 days after the meeting of creditors. In Chapter 13 bankruptcy, you will begin making payments according to your repayment plan.


Filing for bankruptcy in Utah can provide individuals with a fresh start and relief from overwhelming debt. However, it is crucial to understand the different types of bankruptcy, eligibility requirements, and the filing process to ensure a successful outcome. Consulting with a bankruptcy attorney is highly recommended to navigate the complexities of bankruptcy law and maximize the benefits of filing.


– United States Courts:
– Utah Bankruptcy Court:
– Utah Bankruptcy Law: