10907 S State St, Sandy, UT 84070Apple Maps
Call (801) 432-2975

Utah Bankruptcy & Debt Relief Attorneys

A Fresh Start Is Closer Than You Think

Debt problems are stressful, but they are solvable. We explain your options in plain English and help families across Utah stop the calls, protect what they own and move forward.

  • Stop collection calls, lawsuits and wage garnishments
  • Protect your home and car with Utah exemptions and Chapter 13
  • Plain-English advice from a local Utah bankruptcy attorney

$0 Down Bankruptcy · Payment Plans Available

Check If You QualifyCall (801) 432-2975

How we help

Find the Right Path to Debt Relief

Pick the situation that sounds most like yours. Each page explains your options simply, step by step.

Student loan discharge

Yes, student loans can be discharged in bankruptcy

It is not automatic, but borrowers who can show that repayment would be an undue hardship can ask the court to wipe out or reduce their student loans. Already went through bankruptcy? A closed case can often be reopened to pursue your student loans. We review your loan history and let you know whether you have a realistic case.

See If You Qualify

Side by side

Chapter 7 vs. Chapter 13, in plain English

Most Utah families who file use one of these two chapters. Here is the quick difference.

Question
Chapter 7Chapter 13
Best for
Clearing credit cards, medical bills and other unsecured debt
Catching up on a house or car and protecting property
How long it takes
Usually about 3–4 months
A 3- or 5-year payment plan
What you pay creditors
Usually nothing; eligible debts are wiped out
One monthly plan payment based on what you can afford
Stops foreclosure?
Temporarily
Yes, and lets you catch up over time
Income limits
Must pass the means test
Need steady income to fund the plan
Keep your property?
Utah exemptions protect most essential property
Yes, including property exemptions would not protect

General information only. The right choice depends on your income, property and goals.

Map of Utah communities served by Beehive AdvocatesBeehive Advocates' office is in Sandy. The firm serves clients in all 29 Utah counties, including Salt Lake City, Provo, Ogden, Logan, St. George and Cedar City.Salt Lake CityProvoOgdenSt. GeorgeLoganCedar CitySandy office
Our officeCommunities we serve

Serving all of Utah

From Logan to St. George, without the drive

Every Utah bankruptcy is filed with the same federal court, and Chapter 7 and Chapter 13 meetings of creditors in Utah are held by video. Most of the work happens by phone, email and secure document upload, so you get experienced help wherever you live. You are always welcome at our Sandy office, too.

See all 29 counties we serve

Client reviews

What our clients say

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    Selected recent reviews from our Google Business Profile. Reviews describe individual client experiences; every case is different, and past results do not guarantee a similar outcome.

    Firm Recognition

    • 2020 Best of SLC Winner, Inbound Systems2020 Best of SLC Winner
    • 2022 Best of SLC Business Awards Winner, Inbound Systems2022 Best of SLC Winner
    • 2023 Best of SLC Winner, Inbound Systems2023 Best of SLC Winner
    • 2024 Best of SLC Winner, Inbound Systems2024 Best of SLC Winner
    • 2025 Best of SLC Winner, Inbound Systems2025 Best of SLC Winner
    • Gephardt ApprovedGephardt Approved
    Beehive Advocates Company BBB Business ReviewBBB Accredited Business

    Common questions

    What is bankruptcy?

    Bankruptcy is a federal court process that gives people overwhelmed by debt a legal fresh start. Chapter 7 wipes out most unsecured debts in a few months. Chapter 13 sets up a three-to-five-year payment plan that lets you keep property and catch up on secured debts like a mortgage.

    What is the difference between Chapter 7 and Chapter 13?

    Chapter 7 eliminates eligible debts quickly, usually without any repayment, but you must pass the means test. Chapter 13 is a repayment plan based on what you can afford; it is often used to stop a foreclosure, catch up on a car loan, or protect property that Chapter 7 would not.

    Will I lose my house or car?

    Most people do not. Utah exemptions protect a portion of home equity, a vehicle, household goods and more. If you are behind on payments, Chapter 13 can help you catch up and keep the property.

    How much does it cost to file bankruptcy?

    Your consultation is free, and we offer $0-down options and payment plans. We explain the total cost, including the court filing fee, before you decide anything.

    Read all bankruptcy FAQs

    See If You Qualify

    Answer a few quick questions and we will reach out to set up your free, confidential consultation.

    Get My Free ConsultationCall (801) 432-2975