Provo Bankruptcy Attorney
If you are facing overwhelming debt in Provo or anywhere in Utah County, Lincoln Law is here to help. We serve Provo and the surrounding communities — Orem, Springville, Mapleton, Spanish Fork, and Payson — primarily by virtual consultation, with our Orem office just minutes away for document needs. A free, confidential consultation with a Utah bankruptcy attorney is one call away at 800-404-0018.
Utah County’s Economic Reality
Utah County has grown rapidly over the past decade, driven by the technology corridor along Silicon Slopes and the universities anchoring Provo’s economy. Rapid growth has also meant rising housing prices and living costs that outpace wages in many households. Medical emergencies, job losses in tech, and high-interest credit card balances have left many Provo-area families looking for a path forward.
Bankruptcy is that path for many people. The federal Bankruptcy Code was designed to give honest, hard-working people a legal reset when debt becomes unmanageable — not as a punishment, but as a protection.
Serving Provo by Virtual Consultation
We serve Provo-area clients by video or phone. You can meet with a Utah bankruptcy attorney from your home, your office, or anywhere with a phone signal. Call 800-404-0018 to schedule your free consultation.
Our Orem office (921 West Center St., Orem, UT 84057) is approximately ten miles from downtown Provo. Clients who need to drop off documents or mail paperwork can contact the office to arrange it. No in-person appointment is required to move forward with your case.
Your Bankruptcy Court
Cases filed by Provo residents are heard in the United States Bankruptcy Court for the District of Utah, headquartered at the Frank E. Moss U.S. Courthouse, 350 South Main Street, Salt Lake City, UT 84101. Utah has a single federal bankruptcy district, so all Utah County cases are part of the same district.
Utah is within U.S. Trustee Region 19. The 341 meeting of creditors — the required hearing where a trustee reviews your paperwork and asks a few questions — is held by Zoom video conference for Chapter 7 and Chapter 13 cases filed on or after December 1, 2022. The meeting is typically brief (ten to fifteen minutes), and your attorney prepares you beforehand. If you cannot appear by video due to a genuine difficulty, the trustee may approve telephone participation.
Utah Homestead Exemption
Under Utah Code § 78B-5-503, Utah protects equity in your primary residence through the homestead exemption. The Utah State Auditor publishes the current exemption amount by January 1 each year; for 2025, the amount was $52,400 for a primary residence, adjusted for inflation from a 2019 statutory base. The figure adjusts annually, so confirm the current year’s amount with your attorney.
If your home equity does not exceed the exemption, you may be able to keep your home in a Chapter 7 case. Chapter 13 offers an additional option: a repayment plan that lets you cure mortgage arrears and retain the home regardless of equity level.
Chapter 7 vs. Chapter 13 for Provo Residents
Chapter 7 is often called a “fresh start” bankruptcy. It discharges most unsecured debts — credit cards, medical bills, utility arrears, personal loans — without requiring any repayment. A typical case closes in four to five months. To qualify, your income must fall below the Utah median or pass the means test.
Chapter 13 is a reorganization plan lasting three to five years. It is ideal for homeowners who are behind on their mortgage payments, for people with incomes above the means test threshold, or for those who have non-exempt assets they want to keep.
Start Today
Call 800-404-0018 for a free, no-obligation consultation with a Utah bankruptcy attorney. We serve Provo, Orem, Springville, Spanish Fork, and all of Utah County.
Explore Chapter 7 bankruptcy, Chapter 13 bankruptcy, or visit Our Offices for office details. Schedule your free consultation today.
Free Consultation — Provo and Utah County
Meet with a Utah bankruptcy attorney by video or phone — no office visit required. Your first consultation is free and confidential.
Call 800-404-0018We 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
Related Reading
- 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
Do I have to appear in court in Salt Lake City?
In most Chapter 7 and Chapter 13 cases, the only hearing you attend is the 341 meeting, which is now held by Zoom video. You typically do not need to travel to Salt Lake City for a routine consumer bankruptcy case.
I am a student or recent graduate with significant debt. Can I discharge student loans?
Federal student loans are generally difficult to discharge, though the legal standard has evolved. Our attorneys can explain the current law and whether an undue-hardship claim may apply to your situation.
My spouse and I disagree about filing. Can one of us file alone?
Yes. One spouse can file individually. Debts held jointly with your spouse will still appear on the non-filing spouse's credit report, so couples should discuss the full picture with their attorney.
How soon after I file does creditor harassment stop?
The automatic stay — a court order that stops most collection actions — takes effect the moment your case is filed. Creditor calls, collection letters, and wage garnishments must stop at that point.
