We Are Here To Help! JLT Law is Utah's premier Bankruptcy Law Firm

With over 35 years of experience, JLT Law remains the firm with an unsullied reputation from all parts of the Bankruptcy community.

Salt Lake City Bankruptcy Attorneys

Serving Clients in Utah County and the Surrounding Areas

Are you struggling with mounting debt? Are you worried about losing your home, car, or other assets? Are you tired of receiving hostile calls from creditors? If you are experiencing these or other financial difficulties, it may be time to speak to a seasoned legal professional. Our Salt Lake City bankruptcy lawyers have over 35 years of experience, and we pride ourselves on our firm’s extensive knowledge and strong reputation.


Our Salt Lake City Bankruptcy Attorney

At JLT Law, we make it our mission to help people from all walks of life obtain relief through bankruptcy. Our legal professionals adhere to the highest ethical and professional standards of the legal community, and our bankruptcy attorney in Salt Lake City is prepared to leverage the full extent of our resources to assist our clients. Whether you have next to no current income or simply cannot keep up with your existing financial obligations, we can provide the compassionate guidance you need to get your life back on track. 

Schedule a free initial consultation by calling (801) 896-9444 or contacting us online to speak with a Salt Lake City bankruptcy attorney. Payment plans are available.


Cases We Handle

Practicing Law Across Many Areas

Filing for bankruptcy allows you to stop collection actions and eliminate certain types of debt. While several types of bankruptcy exist, most individuals and families will seek protection under Chapter 7 or Chapter 13. These types of filings have significant differences and eligibility requirements, and you will need to discuss the options available to you with a qualified legal professional. Our team can help you complete the Utah Means Test, determine whether you qualify for Chapter 7 or Chapter 13 bankruptcy, and walk you through what debts you will be permitted to discharge.

Our Salt Lake City bankruptcy attorneys can assist you with:

  • Chapter 7 Bankruptcy. Do you have little to no current income? Chapter 7 can help you eliminate unsecured debt quickly in exchange for the liquidation of non-exempt assets.
  • Chapter 13 Bankruptcy. Do you still have consistent income but cannot keep up with your bills? Chapter 13 allows you to reorganize your finances and pay back debt over three to five years.
  • Bankruptcy and Divorce. Considering bankruptcy before, during, or after a divorce? We can help you understand how these legal procedures intersect and how to effectively navigate each.
  • Foreclosure Avoidance. Are you in danger of losing your home? Filing for Chapter 13 bankruptcy before your home is sold will stop the foreclosure process and give you a chance to bring your mortgage current over several years.
  • Repossession. Has your car been repossessed? You may be able to recover your vehicle or other repossessed assets if you promptly file for bankruptcy.
  • Garnishments. Is a creditor threatening to sue? Creditors may be able to obtain judgments against you, which allow them to garnish your wages. Bankruptcy can stop new and existing garnishments.
  • Loan Modifications. Are you having trouble keeping up with your mortgage payments? You may be able to negotiate a loan modification instead of filing for bankruptcy.
  • Personal and Business Bankruptcy. You have several bankruptcy options as an individual, but businesses must approach bankruptcy differently.  

Our Testimonials

Why Hire Us?

Our firm’s testimonials speak for themselves. For decades, we have helped countless individuals and families navigate difficult situations and overcome seemingly insurmountable financial obstacles. Your satisfaction and success are our highest priorities, and we will make every effort to maximize relief in your case.

Three of the most prominent reasons to choose our Salt Lake City bankruptcy lawyers include our:

  • Reputation. Our track record of successful and sophisticated advocacy has earned the respect of our community and legal peers. The majority of cases we take on are the result of referrals and recommendations from prior clients and other attorneys, including those that oppose us in the courtroom on a daily basis.  
  • Knowledge. We regularly represent clients in adversary litigation, contested matters, and other especially complex matters of bankruptcy law. Other bankruptcy practitioners frequently refer their clients to JLT Law when their bankruptcy cases become more complicated than expected. Similarly, other bankruptcy professionals consult our team on an almost daily basis on how to effectively address problems that arise in their cases.
  • Experience. Jory L. Trease, our firm’s senior attorney, began his personal bankruptcy practice in 1986. We have a complete understanding of the intricacies of the Bankruptcy Code and are prepared to handle all types of situations. 

About Salt Lake City

It was 1847 when Brigham Young founded Salt Lake City. Today, this one-time frontier community has grown into a metropolis of over 200,000 people. It is the capital of Utah and county seat of Salt Lake County. The city has hosted the Olympic Games and its attractive skiing locales make Salt Lake City a tourist destination. A diverse business community is noted nationally for being the center of the industrial banking industry, which distributes loans across the United States. And something few people realize about our home city is this–it’s actually the place where the first Kentucky Fried Chicken franchise opened, thanks to one of Colonel Sanders’ Utah-based friends. 

  • “Thank you Jory for helping us get through this difficult chapter. We couldn't have done it without you!”

    - Adele
  • “He went out of his way to make sure I understood the process and was very thorough.”

    - Former Client
  • “Jory took all of the guess work out, he provided me with all the information I needed.”

    - Ryan D.
  • “He was quick in responding back to any questions we had or advice we needed.”

    - Celeste S.
  • “They helped me get through this difficult time.”

    - Dorothy S.
    • Lead Counsel
    • 5 Star Company
    • Avvo 10.0
    • Avvo 5 Stars

      Our Values

      What Our Work Means To Us
      • We Offer Free Initial Consultations

        No matter the severity of your financial difficulties, we will be there every step of the way.

      • Transparency Is Key

        We will always be transparent and direct about what filing will cost and what debts you can expect to eliminate.

      • We Put Our Clients First

        Your satisfaction and success are our highest priorities.

      • Years Of Quality Experience

        Our team has over 35 years of experience in Bankruptcy.


      Get Started Now

      Filing for any type of bankruptcy is a big decision, and we are ready to advise whether filing makes sense for your situation. When you come to our firm, we will walk you through all available relief strategies and ensure you have the information you need to make an informed decision. We will always be transparent and direct about what filing will cost and what debts you can expect to eliminate. If you choose to file, we will fervently represent you in and out of the courtroom and advocate for you every step of the way.

      If you have questions about bankruptcy or other forms of financial relief, do not hesitate to call (801) 896-9444 or contact us online.


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      • Can I keep my house or car in a bankruptcy?
        With Chapter 7 bankruptcy, you may likely lose your house or car if they have a significant amount of equity in either. In Chapter 13 bankruptcy, you can keep your house and car if your payment plan is accepted.
      • What is a "341 Meeting"?
        This is also referred to as a “meeting of creditors.” This is a meeting that you’ll attend with your bankruptcy attorney. Your creditors will be able to ask you questions about your impending bankruptcy and finances. This is not meant to embarrass you but rather for your creditors to get a clearer picture of your finances.
      • Can I file for bankruptcy on my own?
        There’s no legal requirement to file for bankruptcy in the state of Utah, but both Chapter 7 and Chapter 13 can be very complex. To maximize the effectiveness of your bankruptcy, you should speak to a qualified Utah bankruptcy attorney to discuss your case.
      • Why should I file with an Attorney, instead of using do-it-yourself forms?
        The U.S. Trustee for the District of Utah is currently investigating Bankruptcy Petition Preparers, less experienced Bankruptcy Attorneys, as well as those people who attempt to proceed on a pro se basis (without an Attorney). The government has indicted quite a few people over the past several months for Bankruptcy Crimes; based mostly on the fact that Debtors were not fully informed of the consequences associated with incomplete or inaccurate disclosure on their initial bankruptcy documents. These investigations continue.If you were flagged for investigation, the U.S. Trustee would require you to complete additional questionnaires and paperwork, and would subject you to more intense questioning from the at the First Meeting of Creditors.Also, there’s always the additional stress and emotion associated with not knowing the legal procedures. You can be sure your creditors will have legal counsel working for them, trying to take advantage of every situation they can. If you have to file, why not make sure you get the most from your Bankruptcy?These reasons all add up to the fact you would be better prepared if you chose to engage our office instead. Besides, most people find that they pay just as much to do it themselves, as they would if our more qualified attorneys handle the case for them.