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Many families across the U.S. are struggling to make ends meet and many families in Utah are in the same boat. Here's a list of the counties in Utah with the most personal bankruptcies per capita this year, based on data from Jan. 1, 2012 to April 31, 2012, according to uscourts.gov. Population figures are from the 2010 census, the most recent available.

31 Chapter 7 bankruptcy
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"Chapter 7 bankruptcy is a process of liquidation of personal or business assets because the person or business cannot pay debts. Under Chapter 7, a trustee is appointed to oversee the sale of all business assets, which are distributed to creditors," according to about.com.

"The process begins with a petition from the debtor. The petition includes financial statements and lists all creditors and the amounts of their claims.

"A trustee is appointed by the court.
There are several meetings with the creditors to discuss their claims and attempt to work out agreement on the amounts each will receive.

"The trustee then liquidates all the business property and allocates the money to the creditors according to the priority debt claims determined by bankruptcy laws," according to about.com.

30 Chapter 13 bankruptcy
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"This enables individuals with regular income to develop a plan to repay all or part of their debts for a period of three to five years. The repayment period depends on the debtor's monthly income as compared to the applicable state median. During this repayment period, the law forbids creditors from starting or continuing collection efforts," according to Investopedia.

"A Chapter 13 bankruptcy offers individuals a number of advantages over Chapter 7, the most important being that it offers them an opportunity to save their homes from foreclosure.

"Chapter 13 also allows individuals to reschedule secured debts - except for a mortgage on their primary residence - and extend them over the life of the plan, which may lower their payments. In addition, Chapter 13 has a special provision that may protect co-signers, and also acts like a consolidation plan under which plan payments are made to a trustee who distributes them to creditors," according to Investopedia.

29 San Juan
Matsubatsu via Flickr

Population: 14,746

Total Bankruptcies: 18

Bankruptcy Rate: 1 out of 819

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28 Wayne
J. Stephen Conn via Flickr

Population: 2,778

Total Bankruptcies: 4

Bankruptcy Rate: 1 out of 695

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27 Piute
J. Stephen Conn via Flickr

Population: 1,556

Total Bankruptcies: 3

Bankruptcy Rate: 1 out of 519

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26 Garfield
Jimmywayne via Flickr

Population: 5,172

Total Bankruptcies: 13

Bankruptcy Rate: 1 out of 398

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25 Daggett
J. Stephen Conn via Flickr

Population: 1,059

Total Bankruptcies: 3

Bankruptcy Rate: 1 out of 353

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24 Beaver
J. Stephen Conn via Flickr

Population: 6,629

Total Bankruptcies: 19

Bankruptcy Rate: 1 out of 349

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23 Grand
J. Stephen Conn via Flickr

Population: 9,225

Total Bankruptcies: 28

Bankruptcy Rate: 1 out of 329

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22 Rich
J. Stephen Conn via Flickr

Population: 2,264

Total Bankruptcies: 7

Bankruptcy Rate: 1 out of 323

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21 Emery
Ken Lund via Flickr

Population: 10,976

Total Bankruptcies: 36

Bankruptcy Rate: 1 out of 305

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20 Sanpete
J. Stephen Conn via Flickr

Population: 27,822

Total Bankruptcies: 93

Bankruptcy Rate: 1 out of 299

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19 Cache
Jimmywayne via Flickr

Population: 112,656

Total Bankruptcies: 380

Bankruptcy Rate: 1 out of 296

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18 Morgan
J. Stephen Conn via Flickr

Population: 9,469

Total Bankruptcies: 32

Bankruptcy Rate: 1 out of 296

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17 Millard
Jimmywayne via Flickr

Population: 12,503

Total Bankruptcies: 43

Bankruptcy Rate: 1 out of 291

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16 Kane
Marco di Pisa via Flickr

Population: 7,125

Total Bankruptcies: 25

Bankruptcy Rate: 1 out of 285

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15 Summit
Madpoet_one via Flickr

Population: 36,324

Total Bankruptcies: 135

Bankruptcy Rate: 1 out of 269

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14 Sevier
Ken Lund via Flickr

Population: 20,802

Total Bankruptcies: 85

Bankruptcy Rate: 1 out of 245

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13 Duchesne
Ken Lund via Flickr

Population: 18,607

Total Bankruptcies: 78

Bankruptcy Rate: 1 out of 239

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12 Juab
J. Stephen Conn via Flickr

Population: 10,246

Total Bankruptcies: 43

Bankruptcy Rate: 1 out of 238

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11 Utah
Jimmywayne via Flickr

Population: 516,564

Total Bankruptcies: 2,792

Bankruptcy Rate: 1 out of 185

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10 Box Elder
Jimmywayne via Flickr

Population: 49,975

Total Bankruptcies: 274

Bankruptcy Rate: 1 out of 182

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9 Carbon
WarzauWynn via Flickr

Population: 21,403

Total Bankruptcies: 118

Bankruptcy Rate: 1 out of 181

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8 Uintah
J. Stephen Conn via Flickr

Population: 32,588

Total Bankruptcies: 193

Bankruptcy Rate: 1 out of 169

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7 Davis
Makelessnoise via Flickr

Population: 306,479

Total Bankruptcies: 1,843

Bankruptcy Rate: 1 out of 166

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6 Iron
Jimmywayne via Flickr

Population: 46,163

Total Bankruptcies: 279

Bankruptcy Rate: 1 out of 165

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5 Wasatch
Photo Dean

Population: 23,530

Total Bankruptcies: 145

Bankruptcy Rate: 1 out of 162

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4 Washington
Bossco via Flickr

Population: 138,115

Total Bankruptcies: 1,000

Bankruptcy Rate: 1 out of 138

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3 Salt Lake
CountyLemonade via Flickr

Population: 1,029,655

Total Bankruptcies: 7,489

Bankruptcy Rate: 1 out of 137

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2 Weber
Lance and Erin via Flickr

Population: 231,236

Total Bankruptcies: 1,695

Bankruptcy Rate: 1 out of 136

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1 Tooele
Windy_sydney via Flickr

Population: 58,218

Total Bankruptcies: 480

Bankruptcy Rate: 1 out of 121 people

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