File For Bankruptcy in Utah

    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
    Your Home
    Your Car
    Your Wages
    Your Furniture
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How We Help in Utah

Get Out of Debt and Start Fresh Today

UpRight Law is a national law firm that helps Utah residents get out of debt.

Debt can wear you down. The endless cycle of crunching numbers, flipping through bills, checking bank balances and determining that those dollars just won’t stretch far enough and the constant collection calls can take a toll in every area of your life. If debt stress is affecting your work, your family and your peace of mind, it’s time to act.

At UpRight Law, we make it easy for you to determine whether Chapter 7 bankruptcy or a Chapter 13 repayment plan might be the solution you’ve been looking for. Schedule a free online consultation right now—you don’t even have to leave home to talk with an attorney.

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Managing Credit Card Debt in Utah

Is your credit card debt a part of the more than $50 billion that is currently at least 90 days past due? Are you watching late fees add up and interest grow, though you’re no longer able to rely on your credit cards in a pinch? That cycle is the reason that about $20 billion in credit card debt is discharged in bankruptcy each year. Once a debt has been discharged in bankruptcy, it is illegal for creditors or debt collectors to pursue that debt. If you need to break the cycle and starting to rebuild, schedule your free consultation today. Personal bankruptcy—either Chapter 7 or Chapter 13—may offer the relief you need to build a better financial future.

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Stop Creditor Harassment in Utah

Many debt collectors want you to believe that you gave up your rights when you fell behind on your bills, but it’s not true. Both the federal Fair Debt Collection Practices Act (FDCPA) and the Utah Fair Debt Collection Practices Act were written to protect consumers from shady debt collection practices. If you’re receiving repeated, harassing telephone calls, your friends and family are being harassed, debt collectors have lied to you about the status of your debt or have otherwise behaved abusively, you have options. If you’re ready to draw the line and put a stop to debt collector harassment, schedule your free consultation today.

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Chapter 7 Bankruptcy in Utah

If you’re up against the wall financially and feel like you have no options, think again. Chapter 7 bankruptcy law was written specifically to help people who are burdened by unmanageable debt wipe the slate clean and get a fresh financial start. For those who qualify, Chapter 7 bankruptcy can often completely eliminate unsecured debt such as credit card debt, medical bills, utilities and even some old tax debt. A straightforward Chapter 7 case typically takes less than six months from filing to discharge. If you’re ready to step off the hamster wheel and start making real changes to build a better future, schedule your free consultation today.

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Chapter 13 Bankruptcy Information

Many Utah residents who don’t qualify for Chapter 7 bankruptcy because their income is too high, have non-exempt assets that they want to protect or need to regain control of past-due secured accounts like mortgage debts and car loans find a solution in Chapter 13 bankruptcy. A Chapter 13 bankruptcy repayment plan is based in part on disposable income, so it’s designed to be predictable and manageable. These repayment plans can stretch out past-due balances across three to five years, so long as plan payments and current payments are made as scheduled. If you have regular income and can make some consistent payment toward your debts, but you can’t catch up as quickly as your creditors insist upon, Chapter 13 bankruptcy may offer the relief you need.

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Can Bankruptcy Stop Foreclosure in Utah?

If you’re facing foreclosure in Utah, you may feel like the bank is holding all the cards and you have no real options. In truth, bankruptcy may provide relief for Utah residents in danger of losing their homes. First, when most bankruptcy cases are filed, an automatic stay takes effect immediately. The automatic stay instantly freezes most collection actions, including foreclosure proceedings. For some homeowners, Chapter 13 bankruptcy will provide a long-term solution, allowing three to five years to catch up on past-due balances through a Chapter 13 repayment plan. Finally, those who can’t or don’t wish to keep their houses may often eliminate deficiency balances through Chapter 7 bankruptcy. If you’re facing foreclosure, don’t delay—get the information you need today.

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Medical Debt in Utah

Medical debt is a growing problem in Utah and around the country. Nationally, more than half of all debt pending collection is medical, and about 43 million Americans have past-due medical bills. Fortunately, federal law provides a safety net for those who are trapped by medical debt and can’t find a way to move forward. Each year, hundreds of thousands of Americans file bankruptcy due, at least in part, to medical debt. Many Utah residents are able to completely eliminate medical debt in Chapter 7 bankruptcy. If you’re struggling with medical debt and can’t see a way out, schedule a free consultation today to find out whether bankruptcy may provide the relief you need.

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Wage Garnishment in Utah

For most types of debt, wage garnishment in Utah is limited to 25% of take-home pay or the remaining balance after you take home 30 times the minimum wage—whichever is less. This limit applies even if multiple creditors are attempting to garnish your wages at the same time. Of course, a 25% reduction in income can be quite a blow to a family’s bottom line, particularly one that is already having difficulty keeping payments current. If your wages are being garnished or you’ve received notice of a garnishment and you can’t afford to lose that income, learn more about your options right away. In most cases, bankruptcy puts an immediate stop to wage garnishment.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Utah

If you’re in financial trouble in Salt Lake City, Huntington, South Jordan, Vernal, West Valley City, schedule a free consultation to learn how the attorneys at UpRight Law may be able to help. We’ve built our law firm on our belief that good people sometimes find themselves in difficult financial circumstances, and it should be as simple and stress-free as possible for them to get the help they need.

Steven M. Rogers


Pleasant Grove, UT
6 Years of Experience

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David Cook


Salt Lake City, UT
22 Years of Experience

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