Utah

Utah is home to the Great Salt Lake, the largest salt lake in the western hemisphere. Utah has a diverse economy based on tourism, mining, agriculture, manufacturing, information technology, finance, and petroleum production. Utah is ranked #34 for population and #40 for population density.

As of 2018, over 3.1 million people called Utah home. Salt Lake City is the largest city in Utah.

Income

The median state income is $67,481. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 10.8% of Utahn children under 18 live in poverty. For residents overall, 10.2% of all people in Utah live under the poverty level.

  • Median state income: $67,481
  • Minimum wage: $7.25/hour
  • Children in poverty: 10.8%
  • People in poverty: 10.2%

Is Utah a Community Property State?

Unfortunately, Utah is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states.  In the state of Utah, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Homeowners


More than half (71%) of Utahns hold a mortgage. The median home price in Utah is $310,300 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 71%
  • Median home price: $310,300

Is Utah a Community Property State?

Utah is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states.  In the state of Utah, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Employment

Utah has a current unemployment rate of 3.1%. However, the underemployment rate is 7.25%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Utah debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 3.1% (2018)
  • Underemployment: 7.5% (2017)

Utah Debt

Utahns carry a lot of debt. The average credit card debt is $11,222 (2018). The average student loan debt is $18,921. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Utahns to get into debt.

  • Avg credit card debt: $11,222 (2018)
  • Avg mortgage debt: $204,478 (2017)
  • Avg student loan debt: $18,921 (2017)

Utah Statute of Limitations

Utah’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Utah, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 4 years
  • Written contracts: 6 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 6 years

Utah Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top-ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Utahns are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices.In addition, the Utah Fair Debt Collection Practices Act (UFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Utah.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Utah Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Utah Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Utah Cities Served by Pacific Debt

Alpine
Alta
Altamont
Alton
Amalga
American Fork
Aneth
Annabella
Antimony
Aurora
Avon
Ballard
Bear River City
Beaver
Benjamin
Benson
Bicknell
Big Water
Blanding
Bluff
Bluffdale
Boulder
Bountiful
Brian Head
Brigham City
Cache
Cannonville
Canyon Rim
Castle Dale
Castle Valley
Cedar City
Cedar Fort
Cedar Hills
Centerfield
Centerville
Charleston
Circleville
Clarkston
Clawson
Clearfield
Cleveland
Clinton
Coalville
Corinne
Cornish
Cottonwood Heights
Cottonwood West
Cove
Daniel
Delta
Deweyville
Draper
Duchesne
Dugway
Eagle Mountain
East Carbon
East Millcreek
Elberta
Elk Ridge
Elmo
Elsinore
Elwood
Emery
Enoch
Enterprise
Ephraim
Erda
Escalante
Eureka
Fairview
Farmington
Farr West
Fayette
Ferron
Fielding
Fillmore
Fort Duchesne
Fountain Green
Francis
Fruit Heights
Garden
Garden City
Garland
Genola
Glendale
Glenwood
Goshen
Granite
Grantsville
Green River
Gunnison
Halchita
Halls Crossing
Harrisville
Hatch
Heber
Helper
Henefer
Henrieville
Herriman
Highland
Hildale
Hinckley
Holden
Holladay
Honeyville
Hooper
Howell
Huntington
Huntsville
Hurricane
Hyde Park
Hyrum
Ivins
Joseph
Junction
Kamas
Kanab
Kanarraville
Kanosh
Kaysville
Kearns
Kingston
Koosharem
Lake Shore
Laketown
La Sal
La Verkin
Layton
Leamington
Leeds
Lehi
Levan
Lewiston
Lindon
Little Cottonwood Creek Valley
Loa
Logan
Lyman
Lynndyl
Maeser
Magna
Manila
Manti
Mantua
Mapleton
Marriott-Slaterville
Marysvale
Mayfield
Meadow
Mendon
Mexican Hat
Midvale
Midway
Milford
Millcreek
Millville
Minersville
Moab
Mona
Monroe
Montezuma Creek
Monticello
Morgan
Moroni
Mount Olympus
Mount Pleasant
Murray
Myton
Naples
Navajo Mountain
Neola
Nephi
New Harmony
Newton
Nibley
North Logan
North Ogden
North Salt Lake
North Snyderville Basin
Oak City
Oakley
Ogden
Oljato-Monument Valley
Ophir
Oquirrh
Orangeville
Orderville
Orem
Palmyra
Panguitch
Paradise
Paragonah
Park City
Parowan
Payson
Perry
Peter
Plain City
Pleasant Grove
Pleasant View
Plymouth
Portage
Price
Providence
Provo
Randlett
Randolph
Redmond
Richfield
Richmond
Riverdale
River Heights
Riverside
Riverton
Rockville
Rocky Ridge
Roosevelt
Roy
Rush Valley
St. George
Salem
Salina
Salt Lake City
Samak
Sandy
Santa Clara
Santaquin
Saratoga Springs
Scipio
Scofield
Sigurd
Smithfield
Snowville
South Jordan
South Ogden
South Salt Lake
South Snyderville Basin
South Weber
South Willard
Spanish Fork
Spanish Valley
Spring City
Springdale
Spring Lake
Springville
Stansbury Park
Sterling
Stockton
Summit Park
Sunnyside
Sunset
Syracuse
Tabiona
Taylorsville
Timber Lakes
Tooele
Toquerville
Torrey
Tremonton
Trenton
Tropic
Tselakai Dezza
Uintah
Vernal
Vernon
Vineyard
Virgin
Wales
Wallsburg
Washington
Washington Terrace
Wellington
Wellsville
Wendover
West Bountiful
West Haven
West Jordan
West Mountain
West Point
West Valley City
White City
White Mesa
Whiterocks
Willard
Woodland
Woodland Hills
Woodruff
Woods Cross

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