Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the most common type of bankruptcy filed in Utah. It is considered the “fresh start” bankruptcy because, unlike a Chapter 13, there is no repayment plan. Once your bankruptcy is discharged, all of the debt included in your bankruptcy will be wiped away, and you will have a “fresh start”.

Bankruptcy can be a very emotionally challenging process.  We know that every situation is very unique, and you have lots of questions about which path is best for you. We have been in business since 1982, and have helped hundreds of people in very similar circumstances.

We have found that even though there are an endless amount of bankruptcy resources online, the best way to find answers and relief is to schedule a free consultation with us, or pick up the phone and call us at 801-544-5306. We are here to help you.

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Who can file a Chapter 7 bankruptcy?

In most cases, there are two scenarios that could make you ineligible to file a chapter 7:

1. You have received a bankruptcy discharge in the last 6-8 years (depends on the type of bankruptcy filed).

2. Based on your income, expenses, and debt burden you could feasibly complete a chapter 13 repayment plan.

*Visit for more info on chapter 7

Which debts can be included?

  • Medical bills
  • Credit card debt
  • Money owed to the IRS
  • Personal loans
  • Vehicle debt
  • Many other types of debt


How long will it take for a chapter 7 bankruptcy  to take effect?

Over the years, we have worked with hundreds of people who are constantly being harassed by their creditors. One important question that comes up over and over again is how long will it take for the bankruptcy to take effect, and the harassment to end.

This happens IMMEDIATELY. As soon as a chapter 7 bankruptcy is filed, an “Order for Relief” goes into effect. This order is more commonly referred to as “the automatic stay”.  This order is important because it immediately stops your creditors from harassing you. This includes any attempt to garnish your wages, foreclosures, repossessions, lawsuits, and every other attempt to collect debt from you. This will provide you with temporary relief, allowing for the bankruptcy process to take place.


How soon can you file?

At Helgesen, Houtz & Jones, we are fortunate to have immediate electronic access with the federal bankruptcy court. This allows us to file your bankruptcy as soon as you hire our Utah bankruptcy team to represent you.

If you are in an emergency situation and need urgent help, we can perform an emergency filing. All the information we need to file is your personal information, and the identity of those creditors who you need to stop. You will then have 14 days to complete your filing with the rest of your information. Please visit our emergency filing page if you want more information.

We are here to help

We have been in business since 1982, and have helped hundreds of people discharge over $16,000,000 of collective debt. We have seen many different situations, and we know how to help you. Our bankruptcy team can help you decide which type of bankruptcy is right for you, as well as the best time to file.

Please give us a call at 801-544-5306 to schedule a free consultation with our bankruptcy team, click here to schedule an appointment online, or fill out the form below to ask us a question about your situation.

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 chapter 7 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.

Let's get in touch

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