Ogden Bankruptcy Attorney

Lincoln Law serves Ogden and all of Weber County by virtual consultation — video or phone — so you can speak with a Utah bankruptcy attorney from wherever you are most comfortable. There is no office in Ogden, but our virtual process means you do not need one. Schedule a free, confidential consultation at 800-404-0018.

Weber County and the Path to a Fresh Start

Ogden sits at the crossroads of Interstate 15 and Interstate 84, making it a hub for manufacturing, distribution, and logistics work. When those industries go through layoffs or slowdowns, household budgets can unravel quickly. Whether your debt traces back to a medical crisis, a period of unemployment, or interest charges that compounded faster than you could pay them down, you are not alone — and bankruptcy may provide the legal reset you need.

Serving Ogden Virtually

We serve Weber County clients by video and phone. Our attorneys — licensed in Utah — are available at 800-404-0018 for a free consultation. Most Ogden-area clients complete their entire bankruptcy case without visiting an office.

If you need to mail documents or drop off physical paperwork, our Orem office (921 West Center St., Orem, UT 84057) is approximately 45 miles south on I-15 and accepts deliveries by appointment. You do not need to visit in person to start or complete your case.

Your Bankruptcy Court

Weber County residents file their bankruptcy cases in the United States Bankruptcy Court for the District of Utah. The court’s main office is located at the Frank E. Moss U.S. Courthouse, 350 South Main Street, Salt Lake City, UT 84101. Utah is a single federal bankruptcy district, so all Weber County cases are assigned within it.

The district falls under U.S. Trustee Region 19. The required 341 meeting of creditors — a short, trustee-led Q&A to verify your information — is conducted by Zoom video conference for Chapter 7 and Chapter 13 cases filed on or after December 1, 2022. You join from home using a meeting ID and passcode provided in your court notice. Audio-only participation may be approved by the trustee for participants who cannot use video.

Utah Homestead Exemption

Utah’s homestead exemption protects the equity in your primary residence when you file for bankruptcy. Under Utah Code § 78B-5-503, the Utah State Auditor publishes the current amount by January 1 each year. For 2025, the exemption was $52,400 for a primary residence. The amount adjusts annually for inflation; confirm the current year’s figure with your attorney before filing.

If your home equity is within the exemption, your home is generally protected in a Chapter 7 case. Chapter 13 provides an additional avenue for homeowners who are behind on mortgage payments: a court-supervised repayment plan lets you catch up over three to five years while keeping the property.

Chapter 7 vs. Chapter 13 in Weber County

Chapter 7 discharges most unsecured debts — credit cards, medical bills, payday loans, and similar obligations — through a court order called a discharge. A typical case closes within four to five months after filing. Your household income must satisfy the Utah means test to qualify.

Chapter 13 restructures your debts into a three-to-five-year repayment plan approved by the court. It is effective for stopping a foreclosure, catching up on car payments, or managing debts that Chapter 7 cannot discharge, such as certain tax obligations or non-dischargeable obligations from domestic support.

Take the First Step

Call 800-404-0018 for a free, no-obligation consultation. We serve Ogden, Roy, Layton, Clearfield, and all of Weber County.

Learn more about Chapter 7 bankruptcy and Chapter 13 bankruptcy. Visit Our Offices or schedule a free consultation.

Free Consultation — Ogden and Weber County

Meet with a Utah bankruptcy attorney by video or phone. Free, confidential, and no office visit required.

Call 800-404-0018

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Attorney responsible for this website: Andrew S. Gustafson, Pleasant Hill, California.

Sources

U.S. Trustee Region 19 — Section 341 Meeting Information (updated Aug. 21, 2026): https://www.justice.gov/ust-regions-r19/region-19-section-341-meetings
U.S. Bankruptcy Court, District of Utah: https://www.utb.uscourts.gov
Utah Code § 78B-5-503 (Homestead Exemptions): https://le.utah.gov/xcode/Title78B/Chapter5/78B-5-S503.html
Utah State Auditor, Homestead Exemption Value 2025 Publication (Jan. 2025): https://auditor.utah.gov

Utah Homestead and Vehicle Exemptions in 2026 — what you can keep in Chapter 7 and Chapter 13
Utah Bankruptcy Attorneys — serving all of Utah by virtual consultation

Frequently Asked Questions

Can I keep my car if I file for Chapter 7 bankruptcy?

In many cases, yes. Utah's motor vehicle exemption protects up to $3,000 in vehicle equity (for one vehicle). If your equity is within that amount and you are current on your payments, you may reaffirm the loan and keep the car. Specific amounts may change annually — verify the current figure with your attorney.

Will filing for bankruptcy stop a wage garnishment in Ogden?

Yes. The automatic stay, which takes effect when your case is filed, halts most collection actions, including wage garnishments. Your employer receives notice from the court to stop withholding.

How does bankruptcy affect my Weber County property taxes?

Bankruptcy does not extinguish property tax liens already attached to your home. Chapter 13 lets you pay property tax arrears through your plan while staying in the home.

I share a lease in Ogden — will bankruptcy affect my roommate?

Your bankruptcy affects only your personal liability for debts you owe. Your roommate's obligations under a joint lease may survive your discharge; your attorney can explain the implications.