Protect Your Assets

In most cases we can protect your home, car, and other personal assets.

Get Out of Debt

Bankruptcy allows you to legally and ethically resolve your debt and get a fresh start financially.

Stop Collections

Stop garnishments, foreclosure, repossession, lawsuits, & collection calls.

Cheap Bankruptcy Utah

If you’re looking for cheap bankruptcy in Utah, you’ve come to the right place! We understand that most people who need to file bankruptcy don’t have the money to pay the attorney fees and court costs upfront. You’re considering filing bankruptcy because you can’t pay for all of your debts. Adding attorney fees and court filing fees on top of your current load is not feasible. 

Our competition doesn’t like our affordable bankruptcy program. That’s why we fought against our competition and the United State Trustee to allow us to offer low down bankruptcy and flexible payment plans to our clients. We spent two years fighting in court for the right to offer affordable payment plans that don’t require you to pay all the costs and fees upfront.

After two years of fighting in court, we won! No other firm can make that claim. We offer a low upfront option to get your bankruptcy case filed for only $200 upfront. 

That’s Right! Only $200 to get your case filed.

After your case is filed you will pay the court’s filing fee and the remaining attorney fees in manageable and affordably payments. We will help you customize a payment schedule that works for you.

Repair Your Credit

Most people who file bankruptcy are overwhelmed by garnishment, threatening collection calls, poor credit, repossession, foreclosure, eviction, a job loss, mounting medical bills, divorce, or other financial crisis. These situations are among the leading causes of stress. Say goodbye to the stress with a fresh start.

Bankruptcy eliminates your debts allowing you to start over.  The derogatory reports that are holding your credit score down are also eliminated. With your credit reset you can quickly rebuild your credit score. 

Don't Be Fooled By $0 DOWN...

Many bankruptcy attorneys in Utah advertise $0 Down Bankruptcy. 

These offers have big banners and even bigger promises. When you read the fine print, however, you are required to pay the court filing fee of $338 BEFORE they will file the case.

That’s not $0 Down in our book. We believe in transparent pricing upfront. That’s why we’re upfront with cost of $200 down to get your case filed.

You will pay the court filing fee and remaining attorney fees in easy payments after the case is filed. Now that’s affordable and transparent pricing!

Utah Bankruptcy FAQs

Bankruptcy is a powerful and ethical consitutional tool to protect debtors who are unable to pay their debts. But it is not appropriate for every situation. Bankruptcy stops garnishment, collections,  repossession,  eviction, foreclosure, and lawsuits. If you are dealing with any of these issues, or with any of the following, bankruptcy may be appropriate:

  • You borrow money to pay debts
  • You have or are considering payday loans
  • Unable to make payments to creditors when the payment is due
  • You have medical bills that you can’t pay
  • You have lost your job

There are four different chapters of bankruptcy that a person can file: Chapters 7, 11, 12, or 13. The two most common chapters for individuals or couples are Chapter 7 or Chapter 13.

Chapter 13 Bankruptcy

Chapter 13 is a debt consolidation and repayment plan based on your disposable income. Your disposable income is determined by calculating your monthly income and subtracting your monthly necessary expenses. The repayment plan will normally last between 36 and 60 months. Chapter 13 has additional tools to restructure or rehabilitate secured debts like your mortgage, if you are past due, recover a repossessed auto, restructure interest rates, and in some cases reduce the principal balance.

Chapter 7 Bankruptcy

Chapter 7 is frequently called a liquidation. Your property is designated either “exempt” property, which is protected, or non-exempt, which is unprotected. Any unprotected property may be sold or liquidated (hence the term liquidation) on behalf of your creditors. Most people that file for chapter 7 don’t lose any property. Find out how our experienced bankruptcy attorney can help you protect your property in bankruptcy. Schedule your free bankruptcy consultation today! Our Tooele Bankruptcy Attorney will help you understand your situation and guide you through the entire process.

To find out which chapter of bankruptcy is right for your situation, schedule a free consultation today!

Ascent Law bankruptcy attorneys serve the entire State of Utah. Utah is divided into four regions for creditor meetings: Salt Lake City (Central), Provo (South Central), Ogden (Northern),  and St. George (Southern). The district is determined by the home address provided to the Bankruptcy Court at the time the bankruptcy case is filed. Our bankruptcy attorneys regularly appear in and are familiar with the trustees in each district. 

OGDEN – The Ogden region covers Weber, Morgan, Box Elder, Rich, Cache, and parts of Davis Counties. So residents from Logan to Layton will all be assigned to Ogden. Sometimes residents of Bountiful will be assigned to Ogden and other times we’ve seen them assigned to Salt Lake. When the meetings are conducted in person, the meetings are held at the James V. Hansen Federal Building.

PROVO– The Provo region includes Utah, Wasatch (Heber), Duchesne, Uintah, Juab, Sanpete, Carbon, Millard, Sevier, Emery, Grand and San Juan Counties. When the meetings are conducted in person, the meetings are held at the Provo Library.

SALT LAKE CITY – The Salt Lake City region includes Salt Lake, Tooele, Summit and sometimes some residents in Davis Counties. When the meetings are conducted in person, the meetings are held at the office building located at 405 South Main Street, Suite 250 in Salt Lake City. This is NOT the Bankruptcy Court that is across and up the street a half a block.

ST. GEORGE – The Saint George region includes Beaver, Piute, Wayne, Iron, Garfield, Kane, and Washington Counties. When the meetings are conducted in person, the meetings are held at the Justice Court building at 87 North 200 East.

We frequent get asked whether bankruptcy is dishonest or unethical. In our experience the overwhelming majority of people who file bankrutpcy are honest, hard-working and upstanding people. Most people file bankruptcy as a result of unexpected medical bills, the loss of a job, divorce, or some other unexpected and frequently uncontrollable event. The framers of the United States Constitution specifically provided for a uniform system of bankruptcy to deal with this issue. Bankruptcy is both honest and ethical. To read more about why Bankruptcy was part of our Federal Constitution, read our blog article Does Filing For Bankruptcy Mean You’re Dishonest or Unethical?

Yes! We have litigated and won in Bankruptcy Court against our competition and the United States Trustee to allow us to offer flexible payment plans to our clients. We understand that most people needing to file for bankruptcy don’t have the money to pay the amount of money that is typically charged upfront. No other firm can make that claim. For a limited time…you can file fast with a low down or even $200 Down Bankruptcy ! We setup easy monthly payments after the case is filed. Get started today!

We make filing Bankruptcy
AS EASY AS 1, 2, 3
Take advantage of our years of experience and thousands of successful bankruptcy cases.

We are so committed to making it as flexible as possible, we let you chose a low cost upfront payment. Our goal is to making filing bankruptcy as simple, affordable, and convenient as possible. That’s why we’ve spent so much time finding ways to make it easier for you.


In order to file your case, we need the essential documents & information. We tell you this information in advance, so you can have everything in order to file quickly.

  1. Copy of your driver’s license for each party filing.
  2. Copy of your social security card (or original W-2) for each party filing.
  3. The last 7 months of all pay for each party filing.
  4. Copies of your state and federal tax returns for the 2 most recent years filed.
  5. Completion of our Questionnaire.
  6. Completion of the credit counseling course (you will receive instructions in a subsequent email)

As soon as your case is file the bankruptcy automatic stay immediately becomes effective stopping garnishments, creditor harassment, repossession, foreclosure, eviction and other creditor collections. 

Tre G.

I want to thank you for assisting me through this difficult times of going through bankruptcy. I was at the hearing today. Mr. Weekes was there for me. I was scared, but he re-assured me. It went on smoothly. There was a time I became emotional, and started to sob quietly, and looked sad. I want to thank you again kindly.

Adam J.

Ascent Law was professional, helpful, and easy to work with. They kept us informed on what was going on and helped us to make sure we understood what was being done and what was expected of us. We were glad we chose them!

Stephanie M.
Bankruptcy Client

[Russell Weekes] helped me through my bankruptcy I was so nervous about my situation they were so great in answering all my questions. I recommend them to anyone they are fast and a professional team who care about there clients and what they are going through.

Bankruptcy Client

Russell and his team made my situation nothing short of amazing for the situation I was in.  All of my questions were always answered and I never was made to feel as if I was dumb to have gotten in the financial situation that I did. I have already referred a friend and would refer any family and friends to him and his team.

Dan D.

I had a great experience. The people were friendly and helpful. They went above and beyond to help me.

Tommy B.

Great service. I appreciate their kindness and making me feel at ease.


I highly recommend [Russell Weekes]. Filing Bankruptcy isn’t fun for anyone, and these guys were there for me every step of the way. I always got quick responses, they answered every question and put me at ease. I am extremely happy I chose them!

Tim F.
Bankruptcy Client

Everybody should go to [Ascent} should they have any bankruptcy matters at hand. They’re 100% legit, intelligent and friendly. They will do whatever it takes to see that your case is successfully discharged! They stay on top of it 100% of the way even if you get too caught up with lifes hurdles, they’re behind the scenes still steady at work for YOU!! (Their 1st priority). I fully recommend and support [Ascent] Law!!!

Aaron F.
Bankruptcy Client

I’m filing for bankruptcy right now and they have been great so far answering my questions and everything.


[Ascent] Law helped me out during a tough time. They took care of everything and were super friendly.

Aaron M.
Bankruptcy Client

If you’ve gotta go through the mess of financial bankruptcy, these guys are the best. My attorney as well as all of the paralegals and staff made going through hell much easier than I could have ever asked. Any questions I had they responded to immediately. They were always timely and gave me great legal advise. They aren’t the cheapest option, but the payment plans provided were unbeatable.

Justin T.

Great service. They answered all of my questions and made me free comfortable. The staff and attorneys are knowledgeable.

The Perrys
Estate Planning Clients

Wonderful Attorney in Michael Anderson. Just what we were looking for in a Family Trust. Very knowledgeable, trustworthy, dependable, smart and kind. Recommend him or this law firm to everyone.

A Satisfied Client

My experience was unlike all of the stories one hears of attorneys. Mike and his team were absolutely spot on with their communication, follow-up, understanding and ultimately the results. They were aware of my budget and worked hard to keep me there.

I am truly appreciative of there complete caring and handling of my situation.

Kermit R.

I like these guys, they worked as a team to get my lawsuit resolved. As far as my divorce and child custody case, they know their stuff. I really wanted to settle quickly. It wasn’t as fast as I wanted, but it got done and I am so much happier for it.

George H.
Real Estate Client

Mike Anderson and Greg Lyle have really helped me with a real estate quiet title action. These guys know real estate law. If you are in South Jordan – you should see them for real estate litigation.


Bankruptcy NEWS