Salt Lake City Bankruptcy Attorney
If you live in Salt Lake City and are struggling with debt, you do not need to fight it alone. Lincoln Law serves Salt Lake City and all of Salt Lake County by virtual consultation — video or phone — so you can speak with a Utah bankruptcy attorney without leaving your home. There is no in-person office in Salt Lake City, but that has not slowed our clients down. Our free consultations are private, convenient, and pressure-free.
Serving Salt Lake County by Virtual Consultation
Salt Lake County is one of the fastest-growing counties in the United States, and rising housing costs have pushed many families to the financial edge. Whether you are a renter in the Avenues, a homeowner in Millcreek, or a commuter in West Valley City, our attorneys understand the local financial pressures you face.
We serve Salt Lake City clients by video or phone consultation at 800-404-0018. For clients who need to mail documents or drop off paperwork, our Orem office — about 45 miles south on I-15 — accepts deliveries by appointment. No office visit is required; most of our Utah clients complete their entire case without stepping foot outside their home.
Where Your Case Is Filed
Bankruptcy cases for Salt Lake City and Salt Lake County residents are filed in the United States Bankruptcy Court for the District of Utah. The courthouse is located at the Frank E. Moss U.S. Courthouse, 350 South Main Street, Salt Lake City, UT 84101, which is the administrative seat for the district.
The district is part of U.S. Trustee Region 19. Your 341 meeting of creditors — the short hearing where a trustee reviews your paperwork — is held by Zoom video for Chapter 7 and Chapter 13 cases filed on or after December 1, 2022. You will receive a meeting ID and password in your court notice, and you can join from any smartphone, tablet, or computer. If you cannot attend by video, the trustee can approve audio-only participation.
Utah Homestead Exemption
Utah law protects a portion of your home’s equity if you file for bankruptcy. Under Utah Code § 78B-5-503, the homestead exemption for a primary residence was $52,400 for 2025, as published by the Utah State Auditor in January 2025. The amount adjusts each year for inflation; the State Auditor publishes the new figure by January 1. For a property that is not your primary residence, a separate, smaller exemption applies.
If your home equity falls within the exemption, you can often keep your home in a Chapter 7 case. Chapter 13 lets you catch up on missed mortgage payments over a three-to-five-year plan while keeping the property. Every situation is different — speak with our attorneys to understand how exemptions apply to your specific home equity.
How Chapter 7 and Chapter 13 Work in Salt Lake City
Chapter 7 eliminates most unsecured debts — credit card balances, medical bills, personal loans — through a court discharge. Most cases take four to six months. To qualify, your income must pass the means test, which compares your household income to the Utah median.
Chapter 13 creates a structured repayment plan lasting three to five years. It is well suited for homeowners who are behind on their mortgage and want to stop a foreclosure, or for people whose income is too high to qualify for Chapter 7.
Ready to Start?
Lincoln Law offers a free consultation — no obligation. Call 800-404-0018 or use the link below to schedule a video or phone appointment. Our attorneys, including Andrew T. Curtis and Andrew S. Gustafson (both licensed in Utah), are ready to walk you through your options.
Learn more about Chapter 7 bankruptcy and Chapter 13 bankruptcy, or visit our Our Offices page.
Free Consultation — Salt Lake City
Speak with a Utah bankruptcy attorney by video or phone. No office visit needed. Call 800-404-0018 for a free, confidential consultation.
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
Can I file for bankruptcy if I rent an apartment in Salt Lake City?
Yes. Renters file for bankruptcy in the same way homeowners do. The automatic stay stops most collection actions — including wage garnishments and bank levies — regardless of whether you own property.
Will my employer find out I filed for bankruptcy?
Bankruptcy is a matter of public record, but employers rarely search bankruptcy filings. Your attorney cannot prevent a creditor from telling your employer about a bankruptcy, but filing stops wage garnishments, which are far more visible in a paycheck.
What happens to my car loan in Chapter 7?
You generally have three options: reaffirm the loan and keep the car, redeem the vehicle by paying its current value, or surrender it and discharge the debt. Your attorney will walk you through each option.
How long does bankruptcy stay on my credit report?
Chapter 7 remains on your credit report for up to ten years; Chapter 13 for up to seven years. Many clients see meaningful credit score improvements within a year of their discharge as they build a fresh payment history.
