Bankruptcy is a legal pro­ceed­ing in federal court in which a person with debts (called the debtor) can be freed or “discharged” from most of the debts. There are different chapters or types of bankruptcy.  Two types of bankruptcy are Chapter 7 and Chapter 13.  If a debtor files for Chapter 13 bankruptcy, the debtor will be able to work out a repayment plan with their creditors.  If a debtor files for Chapter 7 bankruptcy, they will get some debts discharged. 

Below are several resources to help you figure out if bankruptcy is right for you and to walk you through the process of filing for a Chapter 7 bankruptcy.

Should I file for Chapter 7 Bankruptcy?

Utah Legal Services has partnered in creating an online program through LawHelp Interactive that will help you decide to file bankruptcy or not.  You can find that online program at  You will have to agree to LawHelp Interactive's terms of use to use the online program.

How do I file for Chapter 7 Bankruptcy?

If you have not reviewed the guide above, please do so.  If you are ready to file for bankruptcy, this guide will walk you through all of the necessary forms to file for bankruptcy. Set aside several hours to complete the process. If you need to take a break, save your online forms to come back to the step you are on at a later date.  You can find the guide at

Also, the U.S. Bankruptcy Court website contains information and the forms that you can use to file for bankruptcy without an attorney. The website is


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