Chapter 7 Bankruptcy Fresh Start
Eliminate credit cards, medical bills, and personal loans in as little as 3–4 months. Stop collection calls, wage garnishment, and foreclosure immediately.
What Is Chapter 7 Bankruptcy?
Chapter 7, also known as “liquidation bankruptcy” or a “fresh start,” is the most common form of consumer bankruptcy. It eliminates most unsecured debts, giving you a clean financial slate. About 63% of Utah filers choose Chapter 7.
The Automatic Stay Immediately Stops:
- Collection calls and letters
- Wage garnishment
- Foreclosure proceedings
- Utility shutoffs
- Lawsuits against you
Quick Facts
- Timeline: 3–4 months from filing to discharge
- Cost: Starting at $749 (attorney fees)
- Means test: Must qualify based on income
- Assets: Most filers keep all their property
- Refile: 8 years between Chapter 7 filings
What Debts Can Be Eliminated?
Dischargeable Debts
- Credit card debt
- Medical bills
- Personal loans
- Utility bills
- Some older tax debts
- Payday loans
- Civil judgments
Generally NOT Dischargeable
- Student loans (limited exceptions)
- Alimony / Child support
- Recent tax debts
- Criminal fines & restitution
- Debts from fraud
The Chapter 7 Process
Free Consultation
Meet with Doug to review your finances and determine eligibility.
Filing Preparation
We gather documents, complete forms, and prepare your petition.
File Your Case
Petition filed with the court. Automatic stay goes into effect immediately.
Meeting of Creditors
Brief court-administered meeting (we attend with you) ~30 days after filing.
Discharge
Debts eliminated. Fresh start achieved. Typically 3–4 months total.
Do You Qualify? Check the Means Test
Utah income limits (April 2026): 1 person $87,898 | 2 people $95,757 | 3 people $112,751 | 4 people $131,741
Read Our Means Test GuideStart Your Chapter 7 Fresh Start
$749 limited-time offer. Same-day appointments available.