It’s time to take control of your finances. Whether you are dealing with unexpected medical bills, credit card debt, the loss of a job, divorce, or any other uncontrollable event that has put you behind, we want you to know there is a way out. Bankruptcy is the means provided by the Utah legal system to help honest, hard-working people like yourself to get a fresh start.

We have a lot of very valuable information on this site regarding bankruptcy. Every situation is very unique, and we know you have lots of questions. 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 are here for you every step of the way.

Debt Discharged



Client Satisfaction

Utah Bankruptcy Attorney

If you are considering filing for bankruptcy, it is important to remember you are not alone. Many people are victims of uncontrollable circumstances in life such as medical expenses, reduced income, job loss, divorce, student loans, utility payments, foreclosure, credit cards and other emergencies that can lead to overwhelming amounts of debt. Going through this can be a very emotionally and physically draining experience for both you, and your family.

At Helgesen, Houtz & Jones we have had the privilege of working with hundreds of people that have found themselves in a similar circumstance as you. We have learned by experience that there are many misconceptions regarding bankruptcy that prevent honest people from utilizing this option to get the help they deserve.


You can find the relief you deserve

We have helped hundreds of good people like yourself through the bankruptcy process. We offer a quick, simple and affordable solution to your problems. Our priority is helping you take control back of your life, and choosing the path that is best for you and your family. If bankruptcy isn’t the best option for you, we will be the first to let you know.

If you would like answers to your questions, our legal opinion of your situation,  or help to start the bankruptcy process please do not hesitate to contact us at your earliest convenience. You can schedule a free consultation online, give us a call at 801-544-5306,  or simply ask us a question on the form below.

What do our bankruptcy clients say about us?

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Is bankruptcy right for you?

Debt can become overwhelming very quickly. When it does, it will have a negative impact on almost every area of your life. It is important to take action immediately so you can begin to build your future, leave your worries behind, and take care of your family. Bankruptcy may be the best option for you if any of the following are true:

  • Creditors are harassing you, and threatening to take legal action against you
  • You are on the verge of losing your home to foreclosure
  • It will take you years to repay your debts
  • You want to protect your house, car, retirement accounts and other assets from creditors
  • Your wages are being garnished
  • You owe money to the IRS
  • You feel overwhelmed by debt, and need a way to get a fresh start


Types of bankruptcy in Utah

There are multiple types of bankruptcy in the state of Utah (see Utah Bankruptcy Court for more info). It can seem difficult deciding which type of bankruptcy is right for your individual situation. Our experienced Utah bankruptcy team has worked with hundreds of people in a similar situation as you. We can immediately identify which type of bankruptcy will benefit you and your family the most. There are many helpful resources for you online. If you want our help determining which type of bankruptcy is right for you, please pick up the phone and give us a call at 801-544-5306, or schedule a free consultation with us online.

The most common types of bankruptcy in Utah are:

Our Utah bankruptcy team specializes in both Chapter 7, and Chapter 13 bankruptcy. If you would like to learn more about each type of bankruptcy, please follow the links above.

Do you need an attorney to file bankruptcy?

At Helgesen, Houtz & Jones, we meet with new people like yourself daily who are considering filing for bankruptcy. The idea of having to pay an attorney when you are already so far in debt can seem impossible. We frequently are asked if it possible to file bankruptcy without the help of an attorney.

We will be the first to tell you that in the State of Utah you may file bankruptcy without the assistance of an attorney (here is the link if you want to learn more). However,  WE DO NOT RECOMMEND THIS. You are facing enough emotional and physical stress created by your current situation. The bankruptcy process is very complicated, and trying to do it without the help of an experienced Utah attorney will put additional stress on you and your family. The court is very specific about the bankruptcy process, and doing it incorrectly will end up costing you much more than paying our attorney fees.

We are here to help you

We have been very fortunate to have been in business since 1982, and have worked with hundreds of people in a similar situation as you. Over the years we have been able to discharge more than $16,000,000 of debt for people just like you. More important than the debt, we have helped hundreds of people get a fresh start and begin to build the life they have always wanted for their families.

If you are considering bankruptcy, we want to help you understand your legal options, and choose the path that is best for you. We know the idea of filing bankruptcy can be very overwhelming. We offer free consultations so that you can come in, learn about the process, understand your legal options, and find answers for your questions before deciding to file.

Please call us at 801-544-5306 to schedule a free consultation, click here to schedule your free consultation online, or ask us a question by using the form found on the bottom of the page.

Are you considering filing bankruptcy?

Our experienced Utah bankruptcy team will help you determine if bankruptcy is right for you.

Meet Our Bankruptcy Team

Craig P. Helgesen

Bankruptcy Attorney

Kurt M. Helgesen

Debt Settlement Attorney

Angie Allen

Bankruptcy Paralegal

Heidi Arboleda


What do we mean by free bankruptcy consultation?

Filing bankruptcy can be a very stressful experience. BEFORE deciding to file with us, you will have a chance to meet with us, get to know us personally, hear your legal options, and understand the costs involved with your bankruptcy.

Bankruptcy consultations are 30 minutes

We are available to meet until 7pm

In your consultation we will:

Review your financial situation

Describe your options

Explain all of the costs before you hire us

Offer you payment plans

Tell you the truth, and not pressure you to file

Answer all of your questions

Why should you file bankruptcy with Helgesen, Houtz & Jones?

Get Quick Relief

Your bankruptcy will be filed immediately because of our electronic access with the federal bankruptcy court. All attempts to collect payment, and garnish your wages will stop upon initiating your bankruptcy with us.

Save You Money

With the help of our experienced bankruptcy team, you will keep more property and discharge more debt. Saving money by going at it alone may sound tempting, but with our experience the fees will more than pay for themselves.

Payment Plans

We understand that money is a big concern for you at the moment. Our goal is to help you break free from your creditors. We offer payment plans to help you file bankruptcy even when money is hard to find.

Low Fees

We care about you, and want the best for you. We keep our fees as low as possible so that you may get the fresh start you deserve. Our bankruptcy team will help you get the best service for the lowest possible price.

Experienced Attorneys

Our bankruptcy team has helped hundreds of good people like yourself through the bankruptcy process. We have seen many different situations, and know what it takes to get you the relief you deserve.

Trusted Law Firm

Helgesen, Houtz & Jones has an “Av” peer-review rating*, the highest rating a law firm can earn for legal ability and ethics. This high honor puts Helgesen, Houtz & Jones in the top 5% of law firms in the United States.

Let's get in touch

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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.