Where to file bankruptcy in Utah

Where to file in Utah, what it costs and what comes next.

Checked against official sources: October 25, 2026.

Short answer

You file in the district where you lived (your domicile) for most of the last 180 days; all of Utah is one district, so every Utah filer uses the U.S. Bankruptcy Court for the District of Utah in Salt Lake City.

Federal bankruptcy courts: 1
Courts: U.S. Bankruptcy Court for the District of Utah

Utah bankruptcy courts and divisions

Law: 28 U.S.C. 1408

U.S. Bankruptcy Court for the District of Utah

Divisions: One district for the whole state. Clerk's office in Salt Lake City (Frank E. Moss U.S. Courthouse, 350 S Main Street; during a renovation the public counter is temporarily next door). Some hearings are held by Zoom.

Clerk's phone: 801-524-6687

Court's self-help page

In nearby states

Nevada: U.S. Bankruptcy Court for the District of Nevada
Colorado: U.S. Bankruptcy Court for the District of Colorado
Wyoming: U.S. Bankruptcy Court for the District of Wyoming

What to do now in Utah

Find your district
The court is set by where you lived for most of the past 180 days.
Read your court's pages
Court websites: U.S. Bankruptcy Court for the District of Utah.
Get your counseling certificate
Take it before you file and keep the certificate. U.S. Trustee list of approved credit counseling agencies.
Prepare the forms
Download the official bankruptcy forms.
Ask for free help
Ask for free help: Utah Legal Services (free civil legal help for people who qualify) and Debtor's Counseling Clinic (Utah State Bar, Utah Legal Services and S.J. Quinney College of Law Pro Bono Initiative), 3rd Tuesday of each month, 5:00-6:30 p.m., Horizonte School, 1234 South Main St., Salt Lake City.

Where to get free help in Utah

Questions about filing in Utah

Which bankruptcy court do I use in Utah?

What is the median income for the means test in Utah?

For cases filed on or after April 1, 2026: 1 person: $87,898; 2 people: $95,757; 3 people: $112,751; 4 people: $131,741; Each extra person: +$11,100.

Is there free bankruptcy help in Utah?

Utah Legal Services (free civil legal help for people who qualify), Debtor's Counseling Clinic (Utah State Bar, Utah Legal Services and S.J. Quinney College of Law Pro Bono Initiative), 3rd Tuesday of each month, 5:00-6:30 p.m., Horizonte School, 1234 South Main St., Salt Lake City and Utah State Bar Tuesday Night Bar (free consultation, appointment required).

Keep reading about Utah

Filing fees

Chapter 7 filing fee. To file Chapter 7 you pay $338 to the court: a $245 filing fee, a $78 administrative fee and a $15 trustee fee. A married couple filing one joint case pays one set of fees.

Law: 28 U.S.C. 1930(a)(1)(A); Bankruptcy Court Miscellaneous Fee Schedule, items 8 and 9 (effective December 1, 2023)

Chapter 13 filing fee. To file Chapter 13 you pay $313 to the court: a $235 filing fee and a $78 administrative fee.

Law: 28 U.S.C. 1930(a)(1)(B); Bankruptcy Court Miscellaneous Fee Schedule, item 8 (effective December 1, 2023)

Paying in installments. If you cannot pay the whole fee at once, you can ask to pay it in installments. File Official Form 103A with your petition. The court decides the plan: no more than 4 payments, all paid within 120 days after you file. For a good reason the court can give you more time, but the last payment must be made within 180 days. Until the fee is paid in full, you may not pay your lawyer or petition preparer.

Law: Fed. R. Bankr. P. 1006(b) (as amended Dec. 1, 2024)

Fee waiver. In Chapter 7 only, the court may waive the fee. You must have income below 150% of the official poverty line for your family size, and you must be unable to pay the fee even in installments. Ask by filing Official Form 103B with your petition. The judge decides.

Law: 28 U.S.C. 1930(f)(1); Fed. R. Bankr. P. 1006(c)

The meeting of creditors

About a month after you file, you must attend the 'meeting of creditors' (341 meeting). The trustee asks you questions under oath about your property and debts. Creditors may come and ask questions. No judge attends. Chapter 7: 21 to 40 days after filing. Chapter 13: 21 to 50 days after filing. Bring photo ID and proof of your Social Security number. If you file jointly, both spouses must attend.

Law: 11 U.S.C. 341, 343; Fed. R. Bankr. P. 2003(a), 4002(b)(1)

Two required courses

Credit counseling before you file. Before you file, you must take a credit counseling course (a 'briefing') from an agency approved by the U.S. Trustee Program. You must take it within 180 days before you file. It can be in person, by phone or online, alone or in a group. Keep the certificate: you file it with your case. If you skip it, your case can be dismissed.

Law: 11 U.S.C. 109(h), 111

Debtor education after you file. After you file, you must take a second, separate course on personal financial management (debtor education) from an approved provider. In most cases you get no discharge without it. Chapter 7: file the certificate within 60 days after the first date set for the meeting of creditors. Chapter 13: by the date of your last plan payment. Some providers send the certificate to the court for you.

Law: 11 U.S.C. 727(a)(11), 1328(g); Fed. R. Bankr. P. 1007(b)(7), 1007(c)(4)

Where to file bankruptcy in Utah

Short answer

Utah bankruptcy courts and divisions

In nearby states

What to do now in Utah

Find your district

Read your court's pages

Get your counseling certificate

Prepare the forms

Ask for free help

Where to get free help in Utah

Questions about filing in Utah

Keep reading about Utah