How We Help Utah Families With Debt

Beehive Advocates focuses on consumer bankruptcy and debt relief. Whether you need to stop a foreclosure this week or want to understand your options before things get worse, start with the situation that sounds most like yours.

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.

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.

Talk to a Utah bankruptcy attorney for free

Every situation is different. A free consultation is the fastest way to learn which option fits yours. Ask about $0-down options.