Bankruptcy Attorneys • Serving Clients Throughout Utah

Utah Bankruptcy Attorneys — Chapter 7, 13 & 11

Dealing with credit card lawsuits, wage garnishments, foreclosure, or business debt? With offices in Salt Lake City, Pleasant Grove, and St. George, Rogers & Russell helps individuals, families, and businesses throughout Utah evaluate bankruptcy and other debt-relief solutions.

Call 801-899-6064Request a Free Consultation

Which Type of Bankruptcy Fits Your Situation?

Bankruptcy is not one-size-fits-all. Your income, property, loans, tax debts, and long-term goals determine the options worth evaluating.

Chapter 7 Bankruptcy

Looking for relief from overwhelming unsecured debt? Chapter 7 can discharge many qualifying debts while a trustee evaluates nonexempt property. Exemptions may protect important assets, depending on your circumstances.

Explore Chapter 7

Chapter 13 Bankruptcy

Behind on your mortgage or need an organized repayment plan? Eligible individuals with regular income may catch up on certain obligations over a three- to five-year plan.

Explore Chapter 13

Chapter 11 & Subchapter V

Own a financially distressed business? Chapter 11 may provide a path to restructure debts, preserve operating value, negotiate with creditors, or arrange an orderly liquidation.

Explore Chapter 11

Common Reasons Utah Clients Call Our Bankruptcy Attorneys

Debt Collectors, Lawsuits & Garnishments

A bankruptcy filing normally creates an automatic stay that pauses many collection actions. Exceptions, prior filings, and creditor relief requests can affect its scope and duration.

Foreclosure & Missed Mortgage Payments

Chapter 13 may let an eligible homeowner cure mortgage arrears over time while maintaining postfiling payments. Timing matters—especially if a foreclosure sale is scheduled.

Medical Bills & Credit Card Debt

These are frequently unsecured debts that may be dischargeable, subject to exclusions and case-specific circumstances.

Tax Debt & Business Liabilities

Some older taxes may qualify for discharge under specific rules; others survive. Business owners may need to assess personal guarantees and alternatives to Chapter 7.

Have a hearing, foreclosure date, garnishment, or repossession threat? Tell our office the date and the documents you’ve received when you call 801-899-6064.

How Our Bankruptcy Consultation Works

1. Understand the situation

We review creditors, collection pressure, income, household expenses, property, lawsuits, and your priorities.

2. Compare options

We examine exemptions, Chapter 7 eligibility, Chapter 13 feasibility, business restructuring, and nonbankruptcy alternatives.

3. Explain the process

We discuss documents, court requirements, estimated costs, possible risks, and next steps before you decide to proceed.

Bankruptcy is a federal court process, but Utah exemptions and local practice can materially affect your case. We help clients evaluate potential property exposure rather than assuming that everything is automatically protected.

Bankruptcy Forms You May Encounter

For individuals, the U.S. Courts uses Official Form 101 (voluntary petition), Form 106 schedules, and means-test forms such as 122A-1 and 122C-1. Chapter 11 businesses generally use Official Form 201. We help clients understand which forms and supporting materials apply.

View official U.S. Courts bankruptcy forms.

Utah Bankruptcy FAQs

Will filing bankruptcy stop creditors from calling or garnishing my wages?

Most collection actions are stayed when an eligible bankruptcy case is filed, but exceptions, repeated filings, and court orders can change the result.

Will I lose my house or car?

Not necessarily. Equity, Utah exemptions, liens, the bankruptcy chapter, and ongoing payments matter. A consultation is the right place to evaluate risk.

Can I file bankruptcy if I have a job?

Yes, but income and other facts affect Chapter 7 eligibility and the terms of a Chapter 13 plan.

Is bankruptcy free?

No. Court filing fees, required education or counseling, and attorney fees may apply. Ask about the anticipated total cost and available payment arrangements.

Which bankruptcy chapter is better?

The right choice depends on income, debt type, exemptions, secured loans, and your goals. We compare the legal and financial consequences with you.

Closing or Liquidating a Distressed Utah Business?

We also advise owners of insolvent or financially troubled businesses about orderly dissolution, creditor negotiations, asset liquidation, and whether Chapter 7 or Chapter 11 is appropriate. Closing a business requires more than canceling its state registration, particularly when secured debts, tax obligations, or personal guarantees remain.

Business Dissolution & Liquidation Distressed Business Asset Purchases

Talk With a Utah Bankruptcy Attorney

Get a case-specific review of your debts, assets, income, and available options. Contact Rogers & Russell to request a free consultation.

Call 801-899-6064Request a Consultation

Rogers & Russell, PLLC · Salt Lake City • Pleasant Grove • St. George, Utah · 801-899-6064

General information, not legal advice. Bankruptcy eligibility, property protection, discharge, and the automatic stay depend on the facts, applicable law, and court orders. Results are not guaranteed. Contacting the firm alone does not create an attorney-client relationship.

U.S. Courts: Bankruptcy Basics

Bankruptcy Advertising Disclosure: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.