This is a common question here at the office: Is there a certain amount of debt that somebody needs to have before they can file a Utah bankruptcy. The answer is that there is no minimum amount of debt that is required to file for bankruptcy protection. Sometimes you can actually have too much debt to file for Chapter 13 bankruptcy. As with most simple answers in the law, however, it can be more nuanced than that, so speaking with a knowledgeable bankruptcy lawyer is always helpful.