Chapter 13 Bankruptcy

Chapter 13 bankruptcy is designed to help individuals who want to protect their assets from creditors, as well as have an opportunity to pay off their creditors over a period of time. The court will allow you three to five years to pay off your debts. A payment plan will be created as part of your bankruptcy. You must have enough regular income to be able to pay the payment plan in order to qualify for a chapter 13.

It can be difficult trying to decide for yourself if you qualify for a chapter 13 bankruptcy. Every situation is very unique, and it takes a very experienced person to understand the entire bankruptcy process. We have worked with hundreds of people, and we have found the easiest way for you to get answers is to schedule a free consultation with our Utah bankruptcy team, or pick up the phone and give us a call.  We will be honest with you, and tell you the best path for your situation. If bankruptcy is not right for you, we will be the first to let you know.

Debt Discharged



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Who is eligible for a Chapter 13 Bankruptcy

In order to be eligible to file a chapter 13, you have to prove to the court that you can afford to use a certain amount of money each money to pay off your debt. The formula is very complicated, but to simplify it takes a combination of how much debt you owe, how much money you make, and how regularly you get paid. If the court determines you will be able to complete your payment plan then you will be eligible for a chapter 13 bankruptcy.


 What happens if you can’t make the payment?

After working with hundreds of clients going through the bankruptcy process, we’ve learned that even with the best intentions sometimes it will be impossible to make the payment assigned to you by the court. This could be caused by unexpected medical bills, a reduction in income, a job loss, or simply you just can’t afford it anymore. If for any reason this occurs, the bankruptcy trustee may help you modify your payment plan.

If the court will not allow you to modify your payment plan, the alternative options would be to convert your bankruptcy into a chapter 7 , or discharge your bankruptcy due to a hardship.


We are here to help

We know that no matter how much debt you have, it is very emotionally draining on you and your family. We have been in business since 1982, and have worked with hundreds of people in very similar situations as you. Chapter 13 is an excellent option as it allows you to discharge your debts, as well as allows your creditors to be paid back for some of the debts.

If you are considering filing a chapter 13 bankruptcy, we would love to help you. The process can be very confusing, and sometimes it is hard to determine which path is best for you without understanding the entire bankruptcy process. Our Utah bankruptcy team is here to help you. We can help you understand all of your options, and determine which path is best for you and your family. The best way to get answers is to give us a call at 801-544-5306, schedule a free consultation online, or ask us a question by using the form below. 

What do our bankruptcy clients say about us?

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Meet Our Bankruptcy Team

Craig P. Helgesen

Bankruptcy Attorney

Kurt M. Helgesen

Debt Settlement Attorney

Angie Allen

Bankruptcy Paralegal

Heidi Arboleda


Do you need help from a Utah bankruptcy attorney?

Our experienced Utah bankruptcy team will guide you step-by-step through your bankruptcy.

Our office location in Layton, Davis County, Utah

Phone Number

(801) 544-5306

Email Address


1513 N. Hill FIeld Road, Suite 3, Layton, Utah 84041

Helgesen, Houtz & Jones

Our lawyers also serve the following areas across the state of Utah: Davis County, Morgan County, Weber County, Salt Lake County, Bountiful, Centerville, Clearfield, Clinton, East Layton, Eden, Farmington, Farr West, Fruit Heights, Harrisville, Hooper, Huntsville, Kaysville, Layton, Morgan, Mountain Green, Near me, North Ogden North Salt Lake, Ogden, Plain City, Pleasant View, Riverdale, Roy, South Ogden, South Weber, Syracuse, Uintah, Washington Terrace, West Bountiful, West Haven, West Kaysville, West Point, Woods Cross, and anyone else who desires to travel to Layton for legal services.

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