Overwhelmed by Debt?  Recently lost your job? Considering Chapter 13 Bankruptcy?

WE UNDERSTAND that many individuals and families in Utah find themselves struggling to pay their creditors due to loss of income, divorce, disability, and other factors.  At PEARSON BUTLER, Attorneys at Law, our experienced bankruptcy attorneys have over 20 years of bankruptcy experience and have filed thousands of bankruptcy cases across Utah.

Let Us Help

  • Stop Creditor Harassment
  • Stop Foreclosure
  • Stop Lawsuits
  • Stop Wage Garnishments
  • Strip 2nd Mortgage Liens


  • We are experienced Utah attorneys: our attorneys have collected filed over 5,000 bankruptcy cases.
  • We offer free initial consultations: meet with a Utah attorney, not a paralegal.
  • We are affordable: we offer flat fee and hourly plans that meet your needs.
  • We explain the basics: we help you under bankruptcy basics to keep you informed
  • We help you through the process: we actually call our clients back.
  • We are conveniently located: offices in South Jordan, American Fork, and Bountiful, Utah.
  • We are experienced litigators: we can sue 2nd mortgage lenders to strip liens.

Contact US

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What is a Chapter 13 Bankruptcy Utah Lawyer?

A Chapter 13 Bankruptcy Utah lawyer helps individuals and families create a “repayment” bankruptcy plan who may not otherwise qualify to file for Chapter 7 bankruptcy protection.  The experienced bankruptcy attorneys at PERSON BUTLER have collectively filed over thousands of bankruptcy petitions over the past 20 years.

What Happens if I Hire a Chapter 13 Bankruptcy Utah Lawyer?

The Chapter 13 Bankruptcy will assist you with filing for bankruptcy protection, which stops all collection activities, including home foreclosure sales, wage garnishments, vehicle repossessions, harassing collection calls, and other collection activities.  Under a Utah bankruptcy Chapter 13, debtors repay their creditors all or part of their debts, based on what the debtors can afford, which is usually determined by their disposable income after making their monthly expenditures.  The bankruptcy lawyer team sets up a monthly payment plan for a period of 3 to 5 years.  Once the plan is completed, all of the unsecured debts are discharged.

See “Chapter 13 Utah Payments“.  Also see “Filing Chapter 7 Bankruptcy in Utah” and “Filing Chapter 13 Bankruptcy in Utah“.

In some cases, a Utah bankruptcy Chapter 13 may allow for a vehicle “cram down”, which reduces the principal amount the debtor owes on a car and only repay the auto loan based on the car’s current market value.  Similarly, a Chapter 13 may allow a homeowner to file a “Chapter 13 lien strip”, which eliminates second mortgages and HELOCs by treating the upside-down home mortgage as unsecured creditor that is paid off over the 3 to 5 year period.

A Chapter 13 bankruptcy may provide better options for homeowners than declaring a Chapter 7 bankruptcy.   For instances, many homeowners who are upside-down in their house and have a 2nd mortgage like the idea of filing a Chapter 13 lien strip.  In addition, some debtors personally prefer filing Chapter 13 so that they can pay back part of the debt to their creditors.

Contact Experienced Chapter 13 Bankruptcy Utah Lawyer

Contact an experienced Chapter 13 bankruptcy Utah lawyer at PEARSON BUTLER Law today at (801) 495-4104 and schedule a free bankruptcy consultation and take the first step toward a life free of uncertainty and debt.  With offices conveniently located in South Jordan, American Fork, and Bountiful, we provide initial Chapter 13 bankruptcy consultations.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.