Business Details
9 Years
experience
Emergency
services
Your Trusted Utah Bankruptcy Solution
Utah Bankruptcy Law Center is a premier Utah law firm dedicated to exceeding client expectations through high-quality legal service, ethical practice, and unwavering commitment. Specializing in bankruptcy law, we leverage deep local expertise to navigate complex financial challenges while maintaining accessibility, efficiency, and technological sophistication. Our team combines extensive experience in creditor/debtor law with personalized advocacy to make bankruptcy proceedings affordable and manageable.We pride ourselves on understanding both sides of financial disputes to deliver optimal outcomes, offering compassionate representation during life's most difficult moments while ensuring strict compliance with federal bankruptcy codes.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Emergency Bankruptcy Filing
Debt Discharge Consultation
Foreclosure Prevention
Credit Counseling
Financial Management Courses
Bankruptcy Exemption Analysis
Tax Debt Resolution
Co-signer Protection
Details
- Year established: 2017
Highlights and features
- We offer bankruptcy services at rates up to 50% lower than local specialists
- Our managing attorney has 25+ years of cross-sector legal experience
- Emergency 24/7 assistance for urgent foreclosure or garnishment situations
- We serve clients across all 29 Utah counties with localized expertise
- We provide personalized payment plans for qualifying clients
What people say
Best service for the money
Cared about my situation
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation exemptions. This process eliminates unsecured debts while protecting essential assets like homes and vehicles when payments remain current. Our attorneys help clients evaluate exemption limits and potential asset risks during the 4-6 month discharge process.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year repayment plans to retain valuable assets. This option restructures secured debts while addressing non-dischargeable obligations like child support. Our team develops court-approved payment plans that balance client income with creditor requirements while maintaining compliance with bankruptcy codes.
Emergency Bankruptcy Filing
Emergency filings stop foreclosures, garnishments, and creditor harassment through automatic stays. Available 24/7, our attorneys prioritize urgent cases to prevent property loss. This service requires immediate documentation submission to meet strict court deadlines for asset protection.
Credit Counseling
Mandatory pre-filing credit counseling and post-filing financial management courses are provided through approved providers. These online programs help clients understand debt cycles and develop sustainable financial practices. Completion certificates are required for bankruptcy discharge.
Debt Exemption Analysis
Our attorneys evaluate property exemptions to protect client assets during bankruptcy. This analysis covers vehicle equity, home exemptions, and personal property limits under Utah law. Strategic planning ensures maximum asset retention while complying with federal bankruptcy regulations.
People
Sarah J Larsen
Managing Attorney
With 25+ years of legal experience, Sarah J Larsen specializes in bankruptcy and debt management. Former corporate counsel for financial institutions, she graduated from Lewis & Clark Law School in 1998 and holds Utah and Oregon bar memberships. Her practical understanding of creditor/debtor dynamics informs client advocacy.
Questions
What debts get discharged in bankruptcy?
Most unsecured debts like credit cards and medical bills discharge. Exceptions include student loans, child support, and recent luxury purchases.
Can I keep my home during bankruptcy?
Chapter 13 protects homes through payment plans. Chapter 7 requires current payments and exemption compliance to retain property.
How does bankruptcy affect credit?
Bankruptcy stays on credit reports for 10 years but allows rebuilding through responsible financial management post-discharge.
Can I file bankruptcy without my spouse?
Yes, you can file individually. Spousal income must be reported but their credit remains unaffected by your bankruptcy filing.
What's the bankruptcy process timeline?
Chapter 7 completes in 4-6 months. Chapter 13 requires 3-5 years of plan payments before final discharge of remaining obligations.
