84118 Utah Free Bankruptcy Forms for Salt Lake City, UT 84118 - Utah District Bankruptcy Court

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UT Bankruptcy InformationBankruptcy Forms for the
Utah District Bankruptcy Court

This page begins with a discussion of forms required, generally, for any bankruptcy.
For forms specific to the the Utah District Bankruptcy Court, click here.


Required forms & fees

Each court has its own local rules, but the basic bankruptcy consists of the forms you see listed in the table below, plus any additional forms your local court may require.

Timeliness note: Always check that the date on the form you're using is the date of the form your court currently requires -- or will require in the future, on the date you're planning to file. Each form has a a month and year in the upper right corner.

Sometimes forms are updated and change several times during a year, and other times there may be no changes for a year or more. We make every effort to keep the links on this page up to date, but it's essential that you confirm with your local court that you are using what they consider to be the current version of all forms.

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Basic Forms You Will Need in Any Court

The Utah District Bankruptcy Court has additional local forms and requirements, too. See below.

The information below is based on an uncommonly clear and helpful chart from the Federal Bankruptcy Court of the Western District of Wisconsin. These are the basic requirements for any Chapter 7 bankruptcy.

In both chapter 7 and chapter 13, the following are required to start the bankruptcy (minimum filing requirements):
  1. Voluntary petition (revised 4/10) Must be signed by the debtor(s). Pro se debtors must include a day time phone number with area code.
    Form B1 - Exhibit D to Voluntary Petition - Individual Debtor's Statement of Compliance with Credit Counseling Requirement (new 10/06)

  2. Filing fee, or an application to pay filing fees in installments, or a fee waiver (in forma pauperis). Make all fees payable to: U.S. Bankruptcy Court. Chapter 13's must be paid in full or through the Plan.
    A fee waiver may ONLY be used for a chapter 7 filing. Qualifiying for a fee waiver. Poverty Guidelines.

  3. Creditor Matrix A diskette or CD containing the names and addresses of all creditors is preferred, however, you may submit it in paper form.

  4. Statement of Social Security Number(s) signed by debtor(s). Non-debtor spouse information must be added to this document. Policy on Privacy

  5. Certificate of credit counseling and debt repayment plan if any. Visit the U.S. Trustee's site to find information on credit counseling and debtor education.

  6. Form 19 - Declaration & Signature of Non-Attorney Bankruptcy Petition Preparer (if applicable)

  7. Form B280 - Statement disclosing compensation paid or to be paid to a bankruptcy petition preparer (if applicable)

Where do I file my case?

Privacy Warning

The following schedules and statements must be filed with the voluntary petition, or no later than 14 calendar days after filing the voluntary petition:

More information on the requirements of the Office of the U.S. Trustee

341 notice and deadlines - Notice of bankruptcy case filing, meeting of creditors, & deadlines will be sent to the debtor and all creditors listed on the matrix within 7 to 10 business days. The debtor (both spouses in a joint case) must be present at the meeting to be questioned under oath by the trustee and by the creditors. Pro se debtors should also be familiar with Bankruptcy Code � 521, Rule 4002 of the Federal Rules of Bankruptcy Procedure.

  • Due 7 days before the date set for the Section 341 meeting of creditors: Provide the trustee with a copy of the Federal income tax return (or transcript of return) for the most recent tax year ending before filing. Tax return privacy information
The following statement must be filed with the voluntary petition, or no later than 30 calendar days after filing the voluntary petition:
Due before the discharge is granted:
Other Forms:

Chapter 13 filings require slightly different forms.

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st Local Forms Required by the Utah District Bankruptcy Court

Every local bankruptcy court has one or more additional special forms that you must file when you file the standard set of bankruptcy forms. All courts have special local requirements for the "mailing matrix" of the names and addresses of your creditors. Every court publishes very specific rules about how this list must be formatted so that the court can scan it into its computer system. Check your court's website (Utah District Bankruptcy Court) to find out its mailing matrix requirements, as well as other required forms. Such requirements are typically found in a list of local rules.

If you're lucky, your court may publish a special procedural guide specifically for debtors who are filing without a lawyer. Until recently, most courts, however, did not offer this kind of information on their web sites. That has changed a lot in the past few years and several courts offer very good information.

Local forms for the Utah District Bankruptcy Court and local rules can be obtained by clicking here

Local forms you're likely to need

Each district court has its own preferred format for the mailing matrix -- a list of of creditors that you must supply when you file, formatted in a certain way so that the court can scan it.

Matrix requirements can be found in the local rules or sometimes a separate instruction sheet available on the website.

Your court may also have a local requirements regarding any reaffirmation agreement you make with a creditor. Courts review such agreements closely to make sure the creditor is not ripping you off and that one creditor is not benefiting at the expense of others.

Other Useful Forms

Request for Transcript of Tax Return (IRS 4506-T)

Glossary of Bankruptcy Terminology

The U.S. Federal Bankruptcy Courts website offers a fairly decent, plain-English glossary of bankruptcy terminology, which can be helpful when reading local rules and forms.

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Getting help with forms and filing

Instructions are harder to come by than they used to be. The official U.S. Court website offers no instructions with these forms, other except a link to the congressional committee reports that were written at the time the forms were created. These are not step-by-step instructions, but rather a broad description of the purpose of each form.

Books that provide instructions for filling in official forms

The legal publisher Nolo publishes a comprehensive bankruptcy form instruction book (which I co-author). This book takes you through each form, line by line, explains what the terminology means, and provides examples. It also alerts you to situations that may require more help.

Bankruptcy Software

There are several software products designed for lawyers that will prepare full sets of bankruptcy forms, but these programs assume you already know bankruptcy law and are designed for filing multiple bankruptcies. In short, they're not appropriate for first-time bankruptcy filers.

There are also a few packages purportedly offered for consumers. Proceed with caution. Some of these packages are little more than PDF versions of the forms, which are are available free from the courts themselves.

If you are not a lawyer, the only value of these products would depend on the quality of the instructions they provide. You'll need instructions on how to complete each form, as well as a good understanding of how each form fits into the larger process of filing for bankruptcy.

Bankruptcy Lawyers

See Bankruptcy Lawyers

Bankruptcy Petition Preparers (BPP)

Bankruptcy Petition Preparers (BPPs) are nonlawyers who offer help in filling in the forms. The latest revision of the bankruptcy laws formally recognized these services as legitimate, but also imposed severe restrictions on what they can charge and scope of the services they can perform.

What BPPs Can't Do

Lawyers have jealously guarded their turf when it comes to bankruptcy. Lawyers already lost this battle in the area of tax preparation. Today, non-lawyer tax preparers openly advertise the good advice they can give you in addition to completing your forms. BPPs can do no such thing when it comes to bankruptcy forms.

Under the new bankruptcy law, BPPs must give debtors a form that lists all the things BPPs can't do (form 19B), and all the topics they can't discuss -- basically anything that might be characterized as legal advice. Thus, the sort of tips that tax preparers commonly give to people when preparing their taxes, BPPs can't give when bankruptcy forms. (Some believe this raises profound First Amendment and restraint of trade issues.)

How to File For Chapter 7 Bankruptcy (HFB book) will not give you specific advice, either, but it does discuss important facts to consider in making the kinds of decisions listed the following table:

What BPPs can't do (language of Form B 19) Plain English Where topic is covered in HFB Book.
I am forbidden
to offer you
any legal advice, including advice about any of the following:
• whether to file a petition under the Bankruptcy Code (11 U.S.C. § 101 et seq.); Whether you should file for bankruptcy Ch. 1 (free sample chapter)
• whether commencing a case under chapter 7, 11, 12, or 13 is appropriate; What kind of bankruptcy you should file for Ch. 1 (free sample chapter)
• whether your debts will be eliminated or discharged in a case under the Bankruptcy Code; Which debts are non-dischargeable, secured, etc. Ch's. 9, 5
• whether you will be able to retain your home, car, or other property after commencing a case
under the Bankruptcy Code;
Whether you'll lose your house, car, or other property Chs. 3, 4, 5
• concerning the tax consequences of a case brought under the Bankruptcy Code; Tax consequences Not covered
• concerning the dischargeability of tax claims; Whether or not your tax debts will be wiped out Ch. 9
• whether you may or should promise to repay debts to a creditor or enter into a reaffirmation
agreement with a creditor to reaffirm a debt;
Which secured loans are worth hanging onto, versus other options (e.g. surrendering property) Ch. 5
• concerning how to characterize the nature of your interests in property or your debts; or Whether property is exempt
into which exemption category a particular item fits
Ch. 3, 4
• concerning bankruptcy procedures and rights.
What happens in bankruptcy; what are your rights Whole book

Free PDF Downloadable Bankruptcy Forms

Official PDF Downloads

The links below connect you to forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.

Finding Instructions for the Forms

Official instructions for most of the revised Official Bankruptcy Forms are not available because they are "under revision." It has been many months since these new forms were first published and there's no word on when the instructions will be available. Links to the revised instructions will be posted here as they are available. The only instructional text posted are the committee notes from the congressional committees that wrote the law creating these forms.

The basic forms that get things underway.

B 1

Voluntary Petition (04/13)
Exhibit "A" (9/97) | Exhibit "C" (9/01) | Exhibit "D" (12/09) | Instructions | Committee Notes
B 2

Declaration under Penalty of Perjury on Behalf of a Corporation or Partnership
Instructions | Committee Notes

B 3A

Application for Individuals to Pay the Filing Fee in Installments (12/13)
Instructions | Committee Notes

B 3B

Application to Have the Chapter 7 Filing Fee Waived (12/13)
Instructions | Committee Notes

B 4

List of Creditors Holding 20 Largest Unsecured Claims (12/07)
Instructions | Committee Notes

B 5

Involuntary Petition (12/07)
Instructions | Committee Notes

The Schedules:

Where you list
- all your stuff,
- all you owe, and
- whom you owe it to
- how you'd like to handle your secured debts (auto, home, etc.)


Cover Sheet for Schedules (12/07)


Summary (Summary of Schedules) (12/13)

B 6A

Schedule A - Real Property (12/07)
Instructions | Committee Notes (6A-J)

B 6B

Schedule B - Personal Property (12/07)


B 6C

Schedule C - Property Claimed as Exempt (4/13)

Secured Debts

B 6D

Schedule D - Creditors Holding Secured Claims (12/07)

Unsecured Debts

B 6E

Schedule E - Creditors Holding Unsecured Priority Claims (4/13)

B 6F

Schedule F - Creditors Holding Unsecured Nonpriority Claims (12/07)

Contracts & Leases

B 6G

Schedule G - Executory Contracts and Unexpired Leases (12/07)


B 6H

Schedule H - Codebtors (12/07)

Your Income & Expenses

B 6I

Schedule I: Your Income (12/13)

B 6J

Schedule J: Your Expenses (12/13)

B 6

Declaration Concerning Debtor's Schedules (12/07)

Your Debts

B 7

Statement of Financial Affairs (04/13)
| Committee Notes

How to handle your secured debts

B 8

Chapter 7 Individual Debtor's Statement of Intention (12/08)
Instructions | Committee Notes

B 9A Chapter 7 Individual or Joint Debtor No Asset Case (12/12)
Form | Committee Notes (B9A -- 9I)
B 9B Chapter 7 Corporation/Partnership No Asset Case (12/12)  
B 9C Chapter 7 Individual or Joint Debtor Asset Case (12/12)
B 9D Chapter 7 Corporation/Partnership Asset Case (12/12)  
B 9E Chapter 11 Individual or Joint Debtor Case (12/12)  
B 9E(Alt.) Chapter 11 Individual or Joint Debtor Case (12/12)
B 9F Chapter 11 Corporation/Partnership Case (12/12)
B 9F(Alt.) Chapter 11 Corporation/Partnership Case (12/12)
B 9G Chapter 12 Individual or Joint Debtor Family Farmer (12/12)
B 9H Chapter 12 Corporation/Partnership Family Farmer (12/12)
B 9I Chapter 13 Case (12/12)

Proof of Claim

B 10 Proof Of Claim (04/13)
Instructions | Committee Notes
B 10 A Attachment A (12/11)
Form | Committee Note
B 10 Supp 1 Supplement 1 (12/11)
Form | Committee Note
B 10 Supp 2 Supplement 2 (12/11)
Form | Committee Note
B 11A

General Power of Attorney (06/90)
| Committee Notes

B 11B

Special Power of Attorney (06/90)
Instructions | Committee Notes

B 12

Order and Notice for Hearing on Disclosure Statement (12/03)
Instructions | Committee Notes

B 13

Order Approving Disclosure Statement and Fixing Time for Filing Acceptances or Rejections of Plan, Combined with Notice Thereof (12/03)
| Committee Notes

B 14

Ballot for Accepting or Rejecting Plan (12/03)
Instructions | Committee Notes

B 15

Order Confirming Plan (12/01)
Instructions | Committee Notes

B 16A

Caption (12/07)
Instructions | Committee Notes

B 16B

Caption (Short Title) (12/94)
| Committee Notes

B 16C

[Abrogated] (12/03)
Committee Notes

B 16D

Caption for Use in Adversary Proceeding other than for a Complaint Filed by a Debtor (12/04)
Instructions | Committee Notes

B 17

Notice of Appeal under 28 U.S.C. §158(a) or (b) from a Judgment, Order or Decree of a Bankruptcy Court (12/04)
Instructions | Committee Notes

B 18

Discharge of Debtor (12/07)
Instructions | Committee Notes

B 19

Declaration and Signature of Non-Attorney Bankruptcy Petition Preparer (12/07)
Instructions | Committee Notes

B 20A

Notice of Motion or Objection (12/10)
Instructions | Committee Notes (20A-B)

B 20B

Notice of Objection to Claim (12/03)

B 21

Statement of Social Security Number (12/12)
Instructions | Committee Notes

Means Test Forms

Chapter 7 Means Test

B 22A

Statement of Current Monthly Income and Means Test Calculation (Chapter 7)(4/13)
Instructions | Committee Notes (22A-C)

B 22B

Statement of Current Monthly Income (Chapter 11) (12/10)

Chapter 13 Means Test

B 22C

Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income (Chapter 13) (04/13)

Debtor Education Completion Form

B 23

Debtor's Certification of Completion of Instructional Course Concerning Financial Management (12/10)
Instructions | Committee Notes

B 24 Certification to Court of Appeals (12/07)
Instructions | Committee Notes

Reaffirmation Agreement & Cover sheet

B 27 Reaffirmation Agreement Cover Sheet (12/13)
Instructions | Committee Note
B 240A/B ALT Reaffirmation Agreement (12/11)
B 132 Application for Search of Bankruptcy Records (11/11)

List of Required Forms, etc.

B 200 Required Lists, Statements, Schedules, and Fees (12/13)
B 201A Notice to Individual Consumer Debtor (11/12)

Can't find what you're looking for? Additional forms can be found at the official forms page forms provided by the US Court system. All bankruptcy forms available for free as Adobe Acrobat (PDF) forms.


Source: USCourts.gov

Help Topics

CloseDoes the court supply instructions with the bankruptcy forms?

Generally, no. Most forms do not come with instructions, and that's a shame. Much of the lingo used on these forms is difficult for non-lawyers to decipher.

Before the enactment of the new law, instructions were provided with most forms. Since the new law was passed, court websites have removed the instructions they used to provide, saying they are "under revision". This is unfortunate as most of the forms have not changed significantly, and the old instructions re more helpful than no instructions at all.

For up to date instructions, you can buy Nolo's book, How to File for Chapter 7 Bankruptcy. You'll not only get instructions for all forms, but also step by step guidance throughout the entire bankruptcy process.


CloseWhat is PDF?

PDF stands for "Portable Document Format" which is a format created by the Adobe company and supported by their free Acrobat Reader. (Other companies also produce software that can create and read PDF files.)

PDF is also the format that lawyers use electronic filing.

See also, Where can I download Acrobat Reader?


CloseWhat are "fillable" PDF forms?

The standard forms provided by most US Bankruptcy Courts are not "fillable" PDFs forms. All you can do is print the blank forms and fill them in by hand with a pen or typewriter. (A what?).

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

Fortunately, there are several, free or low-cost software tools for saving fillable PDFs. Some of these low cost products are rather bare-bones, when it comes to interface, but they work. That is, they do provide the option of saving the information you have typed.


CloseWhere can I find fillable bankruptcy PDF forms for free?

Fillable PDF forms allow you to type your answers into the forms.

The standard forms your court links to are not of the fillable variety. However , in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. Unfortunately, if you are using the free Acrobat Reader, you cannot save the information you have typed into these fillable forms. (If you own the full version of Adobe Acrobat -- which costs several hundred dollars -- you can save the info you have typed, and return to the form later.)

However, in a less obvious place, the US Trustee's Office also publishes fillable PDF versions of the Bankruptcy Forms. These fillable forms allow you to type your answers into the forms.


CloseWhere can I download Acrobat Reader?

Most courts inlcude a link for downloading the free Adobe Acrobat reader. You can download it here. (http://www.adobe.com/products/acrobat/readstep2.html)

If you are using fillable PDF forms, you may also want to get a free or low-cost tool for saving what you have typed into your form.

See, Free or low-cost tools for saving fillable PDFs.


CloseWhere can I find free or low-cost tools for saving what I type in fillable PDFs?

All official bankruptcy forms are available PDF forms, and fillable versions of the forms are available.

Unfortunately, the free Adobe Reader does not allow you to save the information you type in to fillable PDF forms. The full commercial version of Adobe Acrobat allows its users to save a PDF and the form field answers will remain entered within the form's fields. Users of the full version of Acrobat can save a form and its answers, close the form, and then return later to complete unanswered or incorrectly answered fields.

Adobe Acrobat ($299) (full program) which can be found at: www.adobe.com/acrofamily/main.htm

The following products let you actually save the data in your PDF file as fields.

PDFill, ($19.95) which can be found at: http://PDFill.com

CutePDF Filler, ($29.95) which can be found at: http://www.acrosoftware.com/Products/CutePDF/Filler.asp

FyTek PDF File Save, (free, recommended) which can be found at: http://www.fytek.com/products.php?pg=pdffilesave
This product allows Acrobat Reader users to save the content of completed forms using a work-around. Read the documentation that comes with this product to learn how to use it.

Other, products let you "print" to a PDF file but do not act as form-fillers:

pdfFactory, ($49.95) which can be found at: http://www.fineprint.com/products/pdffactory/index.html

pdf995, ($19.95) which can be found at: http://www.pdf995.com/

For Mac Users

A helpful LegalConsumer user sent along the following message about form-handling tools available for Mac users. We have not tested all of these options, but have no reason to assume they are inaccurate. As always, feel free email if you spot something that is incorrect.


I couldn't help but notice that the tools listed don't include any options for those of us who are using Macs instead of PC's. Since I recently had to find out this information for myself, I wanted to send a summary in the hopes that you will find it useful and can add this information to your website.

Adobe's products are available for OS X as well as Windows. I believe that the prices are probably similar -- this is the one option I didn't really look into.

Apple's OS X has some good built-in functionality for dealing with pdf files, including the ability to save any printable output to a file in pdf format using an option available from a button on the lower left of the print dialog box. The print dialog box is used whenever the print command is used, from any application on the system, so a filled-in form can be intercepted via the print dialog box and saved to a pdf format file, instead.

There is also software for viewing pdf files, called "Preview". It will allow you to view files, fill in forms if they are set up as fillable versions, but sometimes there are incompatibilities -- for example, some of the currently available fill-in forms have 3 buttons at the bottom for "print" "save" and "clear", which appear to be able to be activated when clicked on, but they don't actually do what the label indicates they are going to do. I assume that when used on a PC, they work, but it could be that these are still works in progress. Preview will allow you to annotate a non-fillable pdf form with text that is overlaid, but it is not particularly easy to use this feature, and there are some good shareware programs available that make this process a whole lot easier to do.

Here is a list of the shareware applications that I looked at and my impressions of them:

PDF Pen and PDF Pen Pro by Smile On My Mac


PDF Pen is $49.95 and can be used to fill in pdf forms, save them, print them etc.

PDF Pen Pro is $94.95, and can be used for all the above, plus you can create pdf files, including fill-in forms, that can be used on any platform.

The Pro version probably is unnecessary for most of your readers but it does contain some nice features and it is less costly than Acrobat. Both of these products appear to be very polished, professional and full featured applications. The main reason I personally chose a different product in the end was because I did not feel I could afford even as little as $30 extra for software, even though it was clear that I was going to have to find something to make the process of dealing with the forms a little easier, especially since, when I first started looking into this, the fill-in forms had not yet been made available.

FormMate by White Wolf Software (www.whitewolf.com) is a reasonable option if all you're going to do is fill in the forms, print them and sign them. It costs $20, and is easier to use than the other similar products I looked at. Plus, it will let you save frequently used items -- such as your name, for example -- which has turned out to be useful. In addition to my name, I have saved a text item that inserts an "X", another with "N/A", and so forth. My only complaint is that I don't think that the font size of the text that is inserted can be changed, but the size that is used is reasonable for filling in the documents.

These shareware applications can be downloaded from the author's websites as listed, and activated from the menu within the application. In all cases, a free trial is an option, but the demo product is limited in that it prints a watermark onto any document until a registration key is purchased and entered, so it can't be used except as a demo until it is unlocked with the reg. key.

There are a couple of other shareware packages available also, but they did not end up being particularly memorable, in my opinion, and so I have not included them here.

I hope this info will be useful to you and that you will add it for the many folks who use Macs. I appreciate the effort that has obviously gone into setting up this website. It's a good resource & I'm pleased to see things like this becoming available. There should be more people like you, committed to helping empower people with enough legal knowledge to act on their own behalf.

- CL,
LegalConsumer user


Thanks for the info for Mac users, and the kind words, CL,


CloseHow can I get copies of my filed tax returns?

From the IRS website:

If you need an exact copy of a previously filed and processed return and all attachments (including Form W-2 (PDF)), you must complete Form 4506 (PDF), Request for Copy of Tax Return and mail it to the IRS address in the instructions along with a $39 fee for each tax year requested. Copies are generally available for returns filed in the current and past 6 years.

In cases where an exact copy of the return is not needed, tax return and transcripts may be ordered. The tax return transcript shows most line items contained on the return as it was originally filed, including any accompanying forms and schedules. In most cases, a tax return transcript will meet the requirements for lending institutions for mortgage verification purposes.

The transcript can be ordered by completing a Form 4506-T (PDF) or calling (800) 829-1040 and following the prompts in the recorded message. There is no charge for the transcript and you should receive it in 10 business days from the time the IRS receives your request. Tax return transcripts are generally available for the current and past three years. If you need a statement of your tax account which shows changes that you or the IRS made after the original return was filed, you must request a "Tax Account Transcript". This transcript shows basic data including marital status, type of return filed, adjusted gross income, taxable income, payments and adjustments made on your account. Tax return and account transcripts are generally available for the current and past 3 years.

Form 4506-T (PDF) can also be used to get proof from the IRS that you did not file a tax return for a particular tax year.

Forms can be downloaded at Forms & Pubs or ordered by calling (800) 829-3676.


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Welcome, Utah users of Nolo's
How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local Utah information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free Salt Lake County means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Utah exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Utah exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

Note: How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."

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Inclluded Forms:

  • Current Monthly Income Worksheet
  • Personal Property Checklist
  • Property Exemption Worksheet
  • Homeowners’ Worksheet
  • Bankruptcy Forms Checklist
  • Bankruptcy Documents Checklist
  • Median Family Income Chart
  • Judicial Lien Worksheet
  • Amendment Cover Sheet
  • Notice of Change of Address
  • Supplemental Schedule for Property Acquired After Bankruptcy Discharge
  • Proof of Service by Mail
  • Pleading Paper 

How to File for Chapter 7 Bankruptcy

Press Reviews

"Exceptionally clear."
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"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
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"Can help you decide if bankruptcy is the right option for you."
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"A valuable, easy-to-understand workbook."
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"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
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"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
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Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
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Chapter 13 Bankruptcy:
Keep Your Property & Repay Your Debts Over Time
(11th edition, 2012)

Chapter 13 Bakruptcy Book
Are you behind on your mortgage, taxes or other bills? Are creditors threatening foreclosure or repossession? Consider Chapter 13 bankruptcy, which can give you an affordable repayment plan -- and let you keep your house, car and other property. Use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the latest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

In Paperback and eBook (Adobe Reader)
Pub. Date: May 2012
Edition: 11th
Pages: 496 pp
ISBN: 9781413310696
Forms: 29 forms

List Price: 39.99
Buy now:
Nolo (publisher)


Chapter 13 Bankruptcy: Repay Your Debts

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

Buy now: Nolo (publisher)

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The New Bankruptcy

The New Bankruptcy

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you.

Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems. Find out:

  • if you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • if you can keep cars and other property
  • how bankruptcy affects credit
  • alternative ways to handle debt problems

The 4th edition includes updated state and federal exemption tables, plus information on recent Supreme Court cases used to interpret 2005 bankruptcy changes. You'll also get worksheets to help you determine whether you can file for bankruptcy, including fully up-to-date exemption charts, helpful checklists, and easy-to-use legal charts for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today

In Paperback and eBook (Adobe Reader)
Pub. Date: May 2011
Edition: 4th
Pages: 419 pp
ISBN: 9781413313918

Press Reviews

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
Eric Tyson, best-selling author of
Personal Finance for Dummies
and Mind Over Money
"With last year's change in the bankruptcy laws creating unprecedented confusion in the field, it's important to know whether it remains a viable option, and this book will offer both explanations and reassurances..."
Accounting Today

ADVERTISEMENT - LegalConsumer.com does not endorse or review advertised products or services.

  1. Alpine - 9,555
  2. Alta - 383
  3. Altamont - 225
  4. Alton - 119
  1. Amalga - 488
  2. American Fork - 26,263
  3. Aneth - 501
  1. Aurora - 1,016
  2. Avon - 367
  3. AXTELL - 203
  1. Ballard - 801
  2. Bear River City - 853
  3. Beaver - 3,951
  4. Benjamin - 1,145
  5. Benson - 1,485
  1. Bicknell - 327
  2. Big Water - 475
  3. Bingham - 55,288
  5. Blanding - 4,904
  6. BLUEBELL - 293
  1. Bluff - 258
  2. Bluffdale - 7,598
  3. Boulder - 226
  4. Bountiful - 42,552
  5. Brian Head - 83
  1. Clarkston - 666
  2. Clawson - 163
  3. Clearfield - 30,112
  4. Cleveland - 464
  5. Clinton - 20,426
  6. Coalville - 4,865
  1. COPPERTON - 826
  2. Corinne - 685
  3. Cornish - 288
  4. Cottonwood - 4,427
  5. Cottonwood Heights - 33,433
  6. Cove - 460
  2. Delta - 7,704
  3. DESERET - 353
  1. Deweyville - 332
  2. Draper - 42,274
  1. Dugway - 795
  2. DUTCH JOHN - 145
  1. Eagle Mountain - 21,415
  2. East Carbon - 1,683
  3. ECHO - 56
  4. EDEN - 600
  5. Elberta - 256
  1. Elk Ridge - 2,436
  2. Elmo - 418
  3. Elsinore - 847
  4. Elwood - 1,034
  5. Emery - 288
  2. EMORY - 73
  3. Enoch - 5,803
  4. Enterprise - 2,323
  1. Ephraim - 6,135
  2. Erda - 4,642
  3. Escalante - 1,258
  4. Eureka - 693
  1. FAIRFIELD - 119
  2. Fairview - 1,247
  3. Farmington - 18,275
  4. Farr West - 5,928
  1. Fayette - 242
  2. Ferron - 1,626
  3. Fielding - 455
  4. Fillmore - 4,639
  1. FREMONT - 145
  2. Fruit Heights - 4,987
  3. FRUITLAND - 335
  1. Garden City - 562
  2. Garland - 2,400
  3. GARRISON - 201
  1. Genola - 1,370
  2. Glendale - 381
  3. Glenwood - 464
  1. Goshen - 3,501
  2. Granite - 1,932
  3. Grantsville - 8,893
  1. Green River - 1,132
  2. GROUSE CREEK - 121
  3. Gunnison - 5,440
  1. Halls Crossing - 6
  2. HANKSVILLE - 314
  3. Harrisville - 5,567
  4. Hatch - 133
  5. Heber - 11,362
  6. HEBER CITY - 11,500
  7. Helper - 3,539
  1. Henefer - 766
  2. Henrieville - 230
  3. Herriman - 21,785
  4. HIDEOUT - 656
  5. Highland - 15,523
  6. Hildale - 2,726
  7. HILL AIR FORCE BASE - 4,785
  1. Hinckley - 696
  2. Holden - 378
  3. Holladay - 26,472
  4. Honeyville - 1,441
  5. Hooper - 7,218
  6. Howell - 245
  1. HOYTSVILLE - 607
  2. Huntington - 2,129
  3. Huntsville - 608
  4. Hurricane - 25,701
  5. Hyde Park - 3,833
  6. Hyrum - 9,799
  1. Ivins - 6,753
        1. JENSEN - 412
        1. Joseph - 344
        1. Junction - 191
          1. Kamas - 6,763
          2. Kanab - 5,697
          3. Kanarraville - 355
          1. Kanosh - 474
          2. Kaysville - 27,300
          1. Kearns - 35,731
          2. KENILWORTH - 180
          1. Kingston - 173
          2. Koosharem - 327
          1. La Sal - 395
          2. La Verkin - 4,060
          3. LAKE POWELL - 134
          4. Lake Shore - 817
          5. Laketown - 248
          1. LAPOINT - 698
          2. Layton - 67,311
          3. Leamington - 226
          4. Leeds - 820
          5. Lehi - 74,616
          1. Levan - 841
          2. Lewiston - 6,162
          3. LIBERTY - 1,257
          4. Lindon - 10,070
          1. Loa - 2,464
          2. Logan - 78,094
          3. Lyman - 258
          4. Lynndyl - 106
          1. Maeser - 3,601
          2. Magna - 28,712
          3. MAMMOTH - 793
          4. Manila - 310
          5. Manti - 3,276
          6. Mantua - 687
          7. Mapleton - 7,979
          8. MARION - 685
          9. Marriott-Slaterville - 1,701
          1. Marysvale - 469
          2. Mayfield - 496
          3. Meadow - 310
          4. Mendon - 1,282
          5. Mexican Hat - 31
          6. Midvale - 27,964
          7. Midway - 3,845
          8. Milford - 1,409
          1. Millville - 1,829
          2. Minersville - 907
          3. Moab - 9,098
          4. Mona - 1,547
          5. Monroe - 4,902
          6. Montezuma Creek - 335
          7. Monticello - 3,773
          8. MONUMENT VALLEY - 1,550
          1. Morgan - 3,687
          2. Moroni - 1,423
          3. MOUNT CARMEL - 116
          4. Mount Pleasant - 3,260
          5. MOUNTAIN GREEN - 2,309
          6. MOUNTAIN HOME - 266
          7. Murray - 46,746
          8. Myton - 569
          1. Naples - 1,755
          2. Neola - 461
          3. Nephi - 9,366
          1. New Harmony - 207
          2. Newton - 789
          1. Nibley - 5,438
          2. North Logan - 8,269
          1. North Ogden - 17,357
          2. North Salt Lake - 16,322
          1. Oak City - 578
          2. Oakley - 1,470
          1. OASIS - 75
          2. Ogden - 208,109
          1. Ophir - 38
          2. Orangeville - 1,470
          1. Orderville - 1,428
          2. Orem - 88,328
          1. Palmyra - 491
          2. Panguitch - 2,377
          3. Paradise - 904
          4. Paragonah - 488
          5. Park City - 24,696
          1. PARK VALLEY - 270
          2. Parowan - 3,951
          3. Payson - 18,294
          4. PEOA - 253
          5. Perry - 4,512
          1. Portage - 245
          2. Price - 16,181
          3. Providence - 7,075
          4. Provo - 112,488
          1. Randlett - 220
          2. Randolph - 464
          3. Redmond - 730
          4. Richfield - 11,195
          1. Richmond - 2,470
          2. River Heights - 1,734
          3. Riverdale - 8,426
          4. Riverside - 760
          1. Riverton - 38,753
          2. Rockville - 245
          3. Roosevelt - 14,760
          1. Roy - 36,884
          2. RUBYS INN - 85
          3. Rush Valley - 941
          1. Salem - 6,423
          2. Salina - 4,705
          3. Salt Lake City - 932,320
          4. Sandy - 87,461
          5. Santa Clara - 6,003
          6. Santaquin - 9,128
          7. Saratoga Springs - 17,781
          8. Scipio - 327
          9. Scofield - 24
          1. Sigurd - 429
          2. Smithfield - 12,379
          3. SNOWBIRD - 30,219
          4. Snowville - 167
          5. Snyderville - 5,612
          6. South Jordan - 50,418
          7. South Ogden - 16,532
          8. South Salt Lake - 23,617
          9. South Weber - 6,051
          1. Spanish Fork - 34,691
          2. Spring City - 988
          3. SPRING GLEN - 1,126
          4. Spring Lake - 458
          5. Springdale - 529
          6. Springville - 29,466
          7. St. George - 72,897
          8. Stansbury Park - 5,145
          1. Sterling - 262
          2. Stockton - 616
          3. SUMMIT - 160
          4. Summit Park - 7,775
          5. Sunnyside - 377
          6. Sunset - 5,122
          7. SUTHERLAND - 165
          8. Syracuse - 24,331
          1. Tabiona - 171
          2. Taylorsville - 58,652
          3. TEASDALE - 191
          1. THATCHER - 789
          2. Tooele - 31,605
          3. Toquerville - 1,370
          1. Torrey - 182
          2. Tremonton - 19,959
          3. Trenton - 464
          1. TRIDELL - 372
          2. Tropic - 1,439
          1. Uintah - 1,322
                1. Vernal - 26,835
                2. Vernon - 243
                1. VEYO - 483
                1. Vineyard - 139
                1. Virgin - 596
                1. Wales - 302
                2. Wallsburg - 250
                3. WANSHIP - 400
                4. Washington - 18,761
                5. Washington Terrace - 9,067
                6. Wellington - 1,676
                1. Wellsville - 6,117
                2. Wendover - 1,400
                3. West Bountiful - 5,265
                4. West Haven - 10,272
                5. West Jordan - 103,712
                1. West Point - 9,511
                2. West Valley City - 129,480
                3. White City - 5,407
                4. White Mesa - 242
                5. Whiterocks - 289
                1. Willard - 1,772
                2. Woodland - 343
                3. Woodland Hills - 1,344
                4. Woodruff - 180
                5. Woods Cross - 9,761