Our Services

Legal Services in Salt Lake City, Utah

Serving Clients in Utah County and the Surrounding Areas

At JLT Law, we have the knowledge, reputation, and experience to help you obtain a fresh start. Our firm regularly utilizes its resources to help our clients stop damaging collections and take steps to eliminate debt through bankruptcy. Whether are you fighting to save your home or are drowning in medical debt, our capable team can help you explore your relief options and offer the comprehensive support you need to overcome many types of financial difficulties.

For over 35 years, our seasoned attorneys have provided dependable legal services to the people and businesses of Salt Lake City, Utah. Our compassionate team can help you determine whether filing for bankruptcy can facilitate the relief you need to get back on your feet. We are a full-service firm that is prepared to handle any complications or problems that may arise throughout your bankruptcy case. Our legal professionals know how to effectively advocate for our clients and will be by your side every step of the way.

Schedule a free initial consultation by calling (801) 896-9444 or contacting us online today. Payment plans are available.

Get Started Now

Do not wait to seek legal assistance if you are experiencing financial problems. Proactively discussing your bankruptcy options with an attorney can help you avoid some of the worst consequences of mounting debt. No matter the severity of your financial difficulties, our team at JLT Law is confident we can provide the knowledgeable guidance and compassionate representation you need to get your life back on track. 

Bankruptcy Cases We Handle

Our Practice Areas

When you come to us for help, we will evaluate the totality of your financial circumstances and explain the available relief strategies. If bankruptcy is a viable option, we will help you complete the Utah Means Test and determine whether you qualify to file for Chapter 7 or Chapter 13. 

Our legal services in Salt Lake City, Utah, include assistance with:

  • Chapter 7 Bankruptcy. This is by far the most common form of bankruptcy, as the income requirements for Chapter 7 are significantly lower than those of Chapter 13. To qualify for Chapter 7 relief in Utah, you must make less than the state’s median income for your household size and/or have little to no disposable income. Non-exempt assets will be liquidated to repay creditors, but you can exempt and keep some furniture, pets, instruments, family heirlooms, and up to $3,000 of equity in a motor vehicle. Keep in mind your house is not considered exempt in Utah. At the end of Chapter 7 bankruptcy proceedings, you will typically be able to discharge unsecured debts, including credit card debt and medical debt.
  • Chapter 13 Bankruptcy. If you have consistent income but are not able to keep up with your bills, Chapter 13 bankruptcy may be able to give you the chance to reorganize your finances. You and your legal representation will develop a three- to five-year payment plan. You will be required to pay a consolidated monthly payment, the amount of which is determined by what you can currently afford. The proceeds from these monthly payments are divided amongst your creditors, though certain “priority debts” must be paid first and settled over the course of the plan. Unlike Chapter 7, there is no requirement to liquidate assets under Chapter 13. After making all plan payments, you will usually be able to eliminate any remaining unsecured debts.
  • Bankruptcy and Divorce. Many people consider filing for bankruptcy in the wake of a divorce. Your spousal or child support payments may make paying other debts difficult to impossible, or significant financial difficulties may have led to the separation in the first place. Both bankruptcy and divorce are complex endeavors that require the attention of a legal professional, particularly when they intersect. We know how to effectively navigate these delicate situations.
  • Foreclosure Avoidance. If you have fallen behind on your mortgage payments and are worried about losing your home, bankruptcy may be able to help if you cannot negotiate a loan modification or some other form of relief. When you file for Chapter 13 bankruptcy, the automatic stay stops pending or ongoing foreclosure proceedings. So long as you file before your home is sold, you will have an opportunity to reorganize your finances and save your home.
  • Garnishments. When a creditor sues and wins a judgment against you for an unpaid debt, they usually have the option to “garnish” your wages. This means you will lose a portion of your regular paycheck until the debt is settled. Bankruptcy’s automatic stay freezes ongoing garnishments and prevents new collection lawsuits from being filed. If you eliminate the underlying unsecured debt, the garnish will not continue following your bankruptcy case.
  • Loan Modifications. Bankruptcy is not necessarily the only option if you are in danger of losing your home. We can help you apply for and negotiate a mortgage loan modification. You may be able to lower the interest rate, increase the loan term, and/or switch from a fixed rate to a variable rate.
  • Personal and Business Bankruptcy. If you are an individual looking to file for personal bankruptcy, you will most likely qualify for either Chapter 7 or Chapter 13. If you happen to not qualify for either, you may instead be able to file for Chapter 11. Businesses handle bankruptcy differently and will in most cases be able to file for Chapter 7 or Chapter 11. We can advise which type of bankruptcy is right for your situation.
  • Repossession. You may be able to retrieve a repossessed vehicle if you file for bankruptcy promptly. In addition to stopping imminent repossessions, the automatic stay gives many filers the opportunity to recover repossessed assets if they act quickly.


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.


  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.


  • 0.00 Down Bankruptcy
    There is no such thing as a “$0.00 down” Bankruptcy. JLT Law does not engage in deceptive marketing ploys. $0.00 down Bankruptcy is an advertising scheme to get you into the Attorney’s Office. There are filing fees and mandatory education fees that need to be paid. No Attorney is going to pay for you to file Bankruptcy! If an Attorney is going to mislead you just to get your business, is that the type of Attorney you want working for you? Such Attorneys are being investigated by the U.S. Trustee’s Office, the U.S. Attorneys Office, and are being sanctioned by the Bankruptcy Court for such marketing claims. By filing with such an Attorney, your personal name is being associated with such conduct.
  • Easy Payment Plans

    You are paying an Attorney a significant amount of your hard-earned money to relieve you from your indebtedness. If the Attorney is not paid his fees entirely up front, the debt you owe to him is legally discharged just like any other debt. There is no exclusion for Attorneys fees in the U.S. Bankruptcy Code. In other words, any Attorney that is willing to allow you to make payments after the Bankruptcy is filed is probably not telling you the entire story. He or she is looking out for their own financial interests instead of yours. If they were being entirely honest, they would tell you that their legal fees are discharged just like any other Creditors debt. Of course they are not going to tell you that because they want you to pay them. Do you really want to hire an Attorney that is only telling you part of the information that is in your interest, and hiding the part that is in his/her financial interest?

  • Free Bankruptcy
    Spoiler alert, nothing is “free”. Many colleagues in the Bankruptcy field engage in advertising methods of sending out letters and postcards inferring that their firm will file a Bankruptcy case for free or an extremely reduced price. These advertising schemes are intended to reach a person when they are in dire straights and suffering from significant financial distress. For instance, right after a Judgment has been entered against them. Not only does the Attorney then describe the worst case scenario possible (i.e.; garnishment, foreclosure of home, etc.), but they also attempt to present a deal that sounds too good to be true. It invariably is. In the past some Attorneys have actually stooped to the extent that they themselves have violated provisions of the U.S. Bankruptcy Code by arranging for potential Clients to obtain loans from companies that the Attorney holds an interest in, then requires the Client in advance to agree not to include the debt within their Bankruptcy filing. In essence, the Attorney suggests the Client to commit perjury to assure that the Attorney’s own financial well being is placed tantamount to that of the Client. It should be no surprise that the schemes being promoted by these less than ethical means are far from free, and subject both the Attorney and Client to potential sanctions the least of which is to be denied relief from the Debts which caused you to contact the Attorney in the first place. True and honest Debtors are entitled to discharge their debts under the U.S. Bankruptcy Code; anything less than that is suspect regardless of whether it is originally suggested by the Attorney for the Debtor. You get what you pay for, and “free” is not worth anything.
  • You get what you pay for
    The Bankruptcy field of practice is highly competitive. There are Attorneys out there that are willing to file a Bankruptcy Case for a few hundred dollars; but you will get much less than a few hundred dollars worth of effort out of them. These Attorneys are typically going to be the less experienced Attorneys that lack sufficient knowledge to avoid may of the pitfalls associated with filing a Bankruptcy Case. It is much more likely that your case will result in an investigation by the Trustee assigned to administer the Bankruptcy Estate, the U.S. Trustee’s Office, and the Court in general. Once that occurs, the Attorney charging lower fees will openly admit that he/she is in over their head and lacks the necessary experience to address the problems. At that time, you will be forced to pay much higher fees to a qualified Attorney to resolve the problems that have been created because you wanted to save a few hundred dollars up front. Ultimately, it will cost you more than if you were to simply do it right the first time by choosing an Attorney that has the reputation, knowledge, and experience necessary to avoid the problems in the first place. Hiring the right Attorney may cost you a few extra hundred dollars, but the peace of mind associated with avoiding problems far outweighs the perceived savings. JLT Law charges fees that are extremely competitive with other quality Bankruptcy Attorneys in the District of Utah.