Credit Repair and Financial Recovery for Single Mothers in Utah

Credit Repair & Financial Recovery Hub for Single Mothers in Utah

Last updated: September 2025

Quick help box

If you’re facing a shut‑off, eviction, or no food right now: Call 211 or 888‑826‑9790 to get same‑day referrals for rent, utilities, food, legal help, and shelters. Chat and text options are also available. Utah 211 official site. (211utah.org)
If wages or your bank account are being garnished: File a “Reply and Request for Hearing” within 14 days to claim exemptions. Utah generally caps most wage garnishments at 25% of disposable earnings (higher for child support). See Utah Courts’ garnishment guide and forms. (utcourts.gov)
If debt collectors are harassing you: Send a written “cease contact” notice and demand verification. Use CFPB’s sample letters and dispute tools. (consumerfinance.gov)
If you need cash help fast: Apply for Utah’s Family Employment Program (FEP) cash assistance through myCase or call 801‑526‑0950 (SLC) or 866‑435‑7414 (statewide). See current payment amounts below. (jobs.utah.gov)
If food money runs out: Apply for SNAP online in myCase or call 866‑435‑7414. FY 2025 maximums for a family of four are $975/month in Utah. (fns.usda.gov)
If your credit report shows medical collections: As of mid‑2025, medical bills are banned from credit reports used by lenders under the CFPB’s final rule (effective June 15, 2025). Dispute any leftover medical items. (consumerfinance.gov)
If you lost your job: You may qualify for up to $777/week in Utah Unemployment Insurance on new claims effective January 1, 2025. File immediately; the effective date is the Sunday of the week you apply. (jobs.utah.gov)

What the top 10 search results miss in 2025

Most “credit repair in Utah” pages pitch paid services or share generic tips. Here’s what they often skip—and what you’ll find here instead:

Specific Utah protections and timelines (garnishment limits, reply deadlines, small‑claims limits increased to $20,000 in 2025). (utcourts.gov)
Exact, current dollar amounts and phone numbers for Utah programs (FEP cash amounts, SNAP, HEAT, UI, CHIP, child care). (jobs.utah.gov, fns.usda.gov, oepmanuals-chip.dhhs.utah.gov)
Recent rule changes that directly raise scores (medical debts removed from credit reports in 2025; free weekly credit reports are permanent). (consumerfinance.gov, investor.equifax.com)
Plan B options when an application is denied or a program is closed (e.g., ERA rent relief ended—what to do next). (jobs.utah.gov)

This hub puts verified Utah‑specific numbers, links, and realistic timelines in one place.

Start here: a two‑week action plan to stop the bleed and stabilize

Day 1–2
Freeze the damage: Pull all three credit reports free at AnnualCreditReport.com and set fraud alerts if needed. Weekly free access is permanent. (investor.equifax.com)
Day 1–3
Secure essentials: Apply for SNAP, FEP cash, Medicaid/CHIP, and Child Care in one myCase application or by calling 866‑435‑7414. Document uploads can follow. (jobs.utah.gov)
Day 1–5
Stop collector pressure: Send validation requests and “stop contact” letters. Keep logs of calls/letters. Use CFPB templates. (consumerfinance.gov)
Day 3–7
Lower the bills: Apply for HEAT utility help (income ≤ 150% FPL) and ask Rocky Mountain Power/Dominion about HELP/REACH credits; qualify faster if you already have HEAT. (jobs.utah.gov, ocs.utah.gov, dominionenergy.com)
Day 5–10
Triage student loans: If payments are unaffordable, review current IDR options on Federal Student Aid. Some SAVE‑related processes faced litigation in 2025; check studentaid.gov for what’s open now. (studentaid.gov)
Day 7–14
Pick a debt strategy: Snowball/avalanche with a written plan, negotiate settlements, or consider bankruptcy only if needed. See fee amounts and free legal help below. (deb.uscourts.gov, utahlegalservices.org)

Know your Utah rights and timelines

Garnishment and bank levies

Standard wage garnishment: Utah allows up to 25% of disposable earnings; up to 50% for certain child support via ORS. Bank accounts can also be garnished, but exempt funds must be protected quickly by filing a Reply and Request for Hearing within 14 days. (utcourts.gov)
Education loan judgments: Garnishment may be limited to 15% in specific cases. (nolo.com)
Judgment life: A Utah civil judgment is valid 8 years and can be renewed. (utcourts.gov)

What to do if this doesn’t work: Call the Utah Courts Self‑Help Center at 888‑683‑0009 for forms and next steps, or contact Utah Legal Services at 801‑328‑8891 for advice if eligible. (utcourts.gov, utahlegalservices.org)

Statutes of limitations on old debts

Written contracts: Typically 6 years. Oral/open accounts: about 4 years. If sued after time runs, raise the statute of limitations as a defense; don’t ignore court papers. (Confirm details with the Utah Code or an attorney.) (findlaw.com)

What to do if this doesn’t work: If a collector sues you on a time‑barred debt, file an Answer using Utah Courts’ forms—don’t miss the deadline. (utcourts.gov)

Credit repair companies in Utah

Utah Credit Services Organizations Act: Requires registration, a $100,000 bond, and bans upfront fees before services are fully performed. Report unregistered or abusive firms to the Utah Division of Consumer Protection at 801‑530‑6601. Federal CROA also applies. (le.utah.gov, dcp.utah.gov)

What to do if this doesn’t work: File a written complaint with DCP and consider free credit counseling through 211‑listed nonprofits. (db.dcp.utah.gov, 211utah.org)

Clean up your credit without paying a “repair” firm

Step 1: Pull all three reports and lock down identity

Get free weekly Equifax, Experian, and TransUnion reports at AnnualCreditReport.com. This is now permanent. (investor.equifax.com)
If someone opened accounts in your name: File at IdentityTheft.gov and consider reporting via Utah’s ID Theft Central to generate a police case number. (attorneygeneral.utah.gov)

What to do if this doesn’t work: Call 211 to find a local navigator who can help you file identity theft reports and freezes. (211utah.org)

Step 2: Dispute errors—especially medical debts

Medical collections: Under the CFPB’s rule, medical bills are banned from credit reports used by lenders (effective June 15, 2025). If you still see them, dispute in writing with bureaus and the collector. Expect score gains of ~20 points on average when medical collections are removed. (consumerfinance.gov)
Other errors: Use CFPB’s dispute templates; send by certified mail and keep copies. (consumerfinance.gov)

What to do if this doesn’t work: File a complaint with the CFPB and Utah Division of Consumer Protection. (consumerfinance.gov, dcp.utah.gov)

Step 3: Build new positive history

Keep utilization under 30% on each card; set autopay for the statement minimum to avoid late marks.
Consider a secured card or credit‑builder loan from a Utah credit union or community bank. Verify any lender with the Utah Department of Financial Institutions if you’re unsure. (dfi.utah.gov)

What to do if this doesn’t work: Ask your utility/cell provider to report on‑time payments, or use services that let you add recurring bills (evaluate fees and terms first).

Income, cash, food, child care, and medical coverage in Utah

Use myCase to apply for these programs together or call 866‑435‑7414. (jobs.utah.gov)

Family Employment Program (FEP) cash assistance

Who qualifies: Utah parents/caregivers with minor children, meeting income rules and work participation. Lifetime limit 36 months. (jobs.utah.gov)
Monthly benefits (DWS schedule):

Household size	Maximum cash per month
1	$383
2	$531
3	$662
4	$775
5	$882
6	$972
7	$1,017
8	$1,065
9	$1,116
10	$1,162

Source: Utah DWS FEP benefits table. Call 801‑526‑0950 (SLC) or 866‑435‑7414 for eligibility and current figures. (jobs.utah.gov)

Timeline: Interviews are scheduled quickly; allow 7–30 days for decisions.

What to do if this doesn’t work: Ask for an expedited review via DWS or file an appeal (toll‑free 877‑837‑3247). (jobs.utah.gov)

SNAP (Food Stamps)

Maximum monthly benefit in Utah (FY 2025):
- 1 person: $292
- 2 people: $536
- 3 people: $768
- 4 people: $975
- 5 people: $1,158
- 6 people: $1,390
- 7 people: $1,536
- 8 people: $1,756
- Each add’l: $220
Source: USDA FNS FY 2025 COLA memo (effective Oct. 1, 2024–Sept. 30, 2025). (fns.usda.gov, everycrsreport.com)
Income rules: Most households must meet the gross income test (generally 130% of FPL) and the net test (100% of FPL). Utah DWS provides the current income chart inside myCase and on program pages. (fns.usda.gov, jobs.utah.gov)
Work rules: Utah’s SNAP E&T program requires certain adults to participate; missing activities can reduce or end benefits. (jobs.utah.gov)
Timeline: Expedited SNAP may arrive in 7 days for households with very low income/resources; regular decisions usually within 30 days.

What to do if this doesn’t work: Call Eligibility Services at 866‑435‑7414 or appeal. If you’re out of food, call 211 for pantries today. (jobs.utah.gov, 211utah.org)

WIC (Women, Infants & Children)

Who qualifies: Pregnant/postpartum, infants, and children under 5; income ≤ 185% FPL.
Utah WIC income guidelines (effective July 1, 2024–June 30, 2025): a family of 3 up to $3, 981/ m o n t h * *; f ami l yo f 4 u pt o * *$ 4,810/month. Call 877‑WIC‑KIDS (877‑942‑5437). (wic.utah.gov)

What to do if this doesn’t work: Ask WIC to screen you for adjunctive eligibility (enrollment in Medicaid, SNAP, or FEP often qualifies). (wic.utah.gov)

Child care assistance

Who qualifies: Working or in approved training; children generally under 13; income up to 85% of Utah State Median Income (SMI). DWS publishes income/co‑pay charts; as an example from DWS, a 3‑person family may qualify with countable income up to about $6,637/month. Apply via myCase or call 866‑435‑7414. (jobs.utah.gov)

What to do if this doesn’t work: Call the Office of Child Care Provider Helpline 866‑435‑7414 (options 5‑3‑1) for case help, or search providers through Care About Child Care. (jobs.utah.gov)

Medicaid and CHIP

Adults: Utah covers adults under Medicaid expansion up to 138% FPL; apply with DWS in myCase. Adult dental benefits expanded in 2025 through a partnership with the University of Utah School of Dentistry. (medicaid.utah.gov)
Children: CHIP income limits as of March 1, 2025: Plan C (up to 200% FPL) monthly limits are $4, 442 * * f or 3 p eo pl e an d * *$ 5,359 for 4 people; a State CHIP (non‑citizen children) option also uses 200% FPL with periodic open enrollment. Call 877‑543‑7669. (oepmanuals-chip.dhhs.utah.gov, chip.utah.gov)

What to do if this doesn’t work: Ask DWS about medically needy/spenddown or presumptive eligibility; for dental provider help call 866‑608‑9422. (medicaid.utah.gov)

Utilities: HEAT, HELP, and REACH

HEAT (LIHEAP): Income ≤ 150% FPL; typical season opens Nov. 1 and crisis aid is year‑round. Benefits range roughly $190-$ 850, with crisis aid up to $2,000 depending on need. State hotline 866‑205‑4357. (jobs.utah.gov, liheapch.acf.gov)
Rocky Mountain Power HELP credit: Monthly electric discount; administered statewide—often bundled with HEAT. Call 801‑359‑2444. (ocs.utah.gov)
Dominion Energy REACH: One‑time $250 * * cre d i t (* * +$ 50 for veterans) for households already approved for HEAT; Salvation Army administers (801‑969‑0526). (dominionenergy.com)

What to do if this doesn’t work: Ask your utility for a payment plan and medical‑needs protections; 211 can search other local funds. (ocs.utah.gov, 211utah.org)

Housing, rent, and legal help

Emergency Rental Assistance (COVID ERA) ended in 2023. Apply for vouchers or subsidized units through your local housing authority and HUD’s Utah rental help page. For statewide housing counseling, contact HUD or 211. (jobs.utah.gov, hud.gov)
HUD Utah contact: 801‑524‑6070 (Salt Lake City Field Office); Section 8/voucher questions: 800‑955‑2232. (hud.gov)
Legal help (debt/eviction/family): Utah Legal Services (801‑328‑8891), People’s Legal Aid (801‑477‑6975), Utah Courts Self‑Help Center (888‑683‑0009). (utahlegalservices.org, plautah.org, utcourts.gov)

What to do if this doesn’t work: Ask 211 to connect you to local rapid‑rehousing or diversion programs, and to shelters with case managers. (211utah.org)

If you lost your job: Unemployment Insurance (UI)

Weekly benefit amount: Up to $777/week for new claims effective Jan. 1, 2025; calculated from your highest earning quarter. Utah allows up to 26 weeks of regular UI. File the week you become unemployed. (jobs.utah.gov)
Employer and tax details (for reference): 2025 taxable wage base $48,900; employer rates 0.2%–7.2%. (jobs.utah.gov)

What to do if this doesn’t work: Appeal promptly if denied; ask DWS for re‑determination.

When bankruptcy is the right tool

Filing fees (nationwide): Chapter 7 $338 * *; C ha pt er 13 * *$ 313 (installments sometimes allowed). These are federal court fees. (deb.uscourts.gov)
Pros: Stops collections, garnishments, and most lawsuits immediately; may erase unsecured debts.
Cons: Serious long‑term credit impact; some debts (recent taxes, support, most student loans) usually survive.

What to do if this doesn’t work: Try a court‑approved debt management plan with a nonprofit counselor (ask 211 for vetted agencies) or seek a Licensed Paralegal Practitioner for lower‑cost help in debt cases. (211utah.org, utcourts.gov)

Credit and debt laws that matter in Utah

Small‑claims cap: Up to $20,000 for cases filed Jan. 1, 2025–Dec. 31, 2029; filing fees vary by claim size. (utcourts.gov)
Payday/title loans: Utah regulates check cashers, deferred‑deposit (payday) lenders, and title lenders through the Department of Financial Institutions—verify a lender and file complaints at 801‑538‑8830. (dfi.utah.gov)
Credit repair firms: Must register and cannot charge upfront fees before services are performed; report bad actors to Consumer Protection at 801‑530‑6601. (le.utah.gov, dcp.utah.gov)

Tables you can use today

Quick reference cheat sheet

Situation	First call/action	Who to call or click	Typical timeline
Shut‑off/eviction risk	Ask 211 for crisis slots and legal help	211 or 888‑826‑9790; Utah 211	Same day referrals; funds vary by county (211utah.org)
Wages garnished	File Reply & Request for Hearing (14‑day clock)	Utah Courts self‑help forms	Hearing can be set within weeks; garnishment capped by law (utcourts.gov)
No food	Apply SNAP in myCase	866‑435‑7414; FNS max for 4 = $975	7–30 days; expedited in 7 days (fns.usda.gov, jobs.utah.gov)
Behind on utilities	Apply HEAT; ask RMP/Dominion about HELP/REACH	866‑205‑4357 (HEAT), 801‑359‑2444 (HELP), 801‑969‑0526 (REACH)	HEAT 6–8 weeks; crisis faster; credits post in ~6–10 days (utahca.org, dominionenergy.com)
Cash need with kids	Apply FEP	866‑435‑7414	Decision in ~7–30 days (jobs.utah.gov)
Lost job	File UI immediately	DWS UI online; FAQ	Weekly benefits up to $777 for eligible claims (jobs.utah.gov)

FEP cash assistance schedule (Utah)

Household size	Max monthly cash
1	$383
2	$531
3	$662
4	$775
5	$882
6	$972
7	$1,017
8	$1,065
9	$1,116
10	$1,162

Source: Utah DWS. (jobs.utah.gov)

FY 2025 SNAP maximums (lower 48, incl. Utah)

Household size	Max allotment
1	$292
2	$536
3	$768
4	$975
5	$1,158
6	$1,390
7	$1,536
8	$1,756
Each add’l	$220

USDA FNS FY 2025 COLA. (fns.usda.gov)

CHIP monthly income limits (Utah, effective Mar. 1, 2025)

Household size	Up to 200% FPL (Plan C/State CHIP)
3	$4,442/month
4	$5,359/month
5	$6,275/month
6	$7,192/month

Full table available from Utah DHHS CHIP policy. (oepmanuals-chip.dhhs.utah.gov)

Bankruptcy fee quick look (nationwide)

Chapter	Filing fee
7	$338
13	$313

U.S. Courts fee schedule. (deb.uscourts.gov)

Real‑world example: how one month can change your cash flow

Day 1: You pull free weekly credit reports and remove three paid medical collections. Your score bumps ~20 points in a month on average per CFPB analysis. (consumerfinance.gov)
Week 1: You apply for SNAP and get $975 for a 4‑person household approved in 2 weeks; you also submit FEP and HEAT. (fns.usda.gov, jobs.utah.gov)
Week 2: You enroll your child in CHIP (under 200% FPL), cutting co‑pays and saving on prescriptions. (oepmanuals-chip.dhhs.utah.gov)
Week 3: Your HEAT benefit posts; Rocky Mountain Power adds a monthly HELP credit. (ocs.utah.gov)
Week 4: You set up a reduced‑interest debt management plan through a 211‑referred nonprofit and stop two collectors with validation letters. (211utah.org, consumerfinance.gov)

Result: Hundreds in monthly savings, less collection pressure, and a clearer path to rebuilding.

Common mistakes to avoid

Waiting on mail when you can apply online or by phone now. Delays can cost benefits retroactively.
Missing the 14‑day reply window on garnishment notices.
Paying upfront to “repair” credit. Utah law bans upfront fees before services are performed; many firms just mass‑dispute items you can address yourself. (le.utah.gov, dcp.utah.gov)
Ignoring student loan notices. Some IDR options changed in 2025; always check studentaid.gov for the latest. (studentaid.gov)
Using payday or title loans to plug a gap. Verify lenders and consider alternatives first. (dfi.utah.gov)

Diverse communities in Utah

LGBTQ+ single mothers: Seek providers with inclusive policies; 211 can filter services by affirming care. Use CHIP/Medicaid for kids’ care and mental health; dental coverage expanded for adult Medicaid in 2025. (medicaid.utah.gov, 211utah.org)
Single mothers with disabilities or with disabled children: Apply for SNAP with disability deductions, Medicaid waivers, and SSI‑related programs; 211 can locate local disability advocates and equipment resources. (211utah.org)
Veteran single mothers: Ask 211 for veteran‑specific rent/utility funds; Dominion’s REACH adds $50 for veterans; check VA debt options and SSVF (via 211 referral). (dominionenergy.com)
Immigrant/refugee single moms: State CHIP (non‑citizen children) covers kids under 200% FPL regardless of citizenship; getting this help does not affect public charge. Free language assistance is available. (chip.utah.gov)
Tribal citizens: 211 can connect you with tribal housing authorities and IHS clinics; HEAT and SNAP are available to eligible households statewide. (211utah.org)
Rural single moms: Use phone/online applications (myCase) and mobile dental/telehealth options; adult Medicaid dental access expanded with rural/mobile clinics. (ksl.com)
Single fathers: Most programs are gender‑neutral—FEP, SNAP, child care, and Medicaid apply to dads with custody, too. (jobs.utah.gov)
Language access: Request interpreters from DWS, WIC, Medicaid, and the courts at no cost; WIC and Utah Legal Services publish multilingual contacts. (wic.utah.gov, utahlegalservices.org)

Application checklist

Use this before you start myCase or walk into a DWS office.

Photo ID for you; Social Security numbers (if any) for household members; immigration documentation if applicable.
Proof of income for the prior 30 days (pay stubs, child support received). (wic.utah.gov)
Bills: recent power/gas bills for HEAT; rent/lease info for housing applications; child care provider details.
Medical bills and insurance cards for Medicaid/WIC/charity care screens.
Bank info (routing/account) if you want direct deposit.
Contact numbers: DWS 866‑435‑7414, HEAT 866‑205‑4357, 211 888‑826‑9790. (jobs.utah.gov, 211utah.org)

“What if this doesn’t work?” backup routes

Denied benefits: File an appeal (fair hearing) at DWS (877‑837‑3247). (jobs.utah.gov)
Collections continue after disputes: Complain to the CFPB; talk to Utah Legal Services or a Licensed Paralegal Practitioner about next steps. (consumerfinance.gov, utahlegalservices.org, utcourts.gov)
Student loans: If an option is paused due to litigation, ask your servicer about alternatives (e.g., IBR) and watch studentaid.gov for reopening notices. (studentaid.gov)
Still short on rent/utility costs: 211 may know of short‑term local funds or faith‑based assistance not listed elsewhere. (211utah.org)

Frequently asked questions (Utah‑specific)

How fast can I stop a wage garnishment?
File the court’s Reply and Request for Hearing within 14 days of notice. Exempt income should be protected; most wage garnishments cap at 25%. (utcourts.gov)
Can I get cash help if I just lost work?
Yes—FEP provides monthly cash (see table) and employment help; lifetime limit 36 months. Apply via myCase or call 866‑435‑7414. (jobs.utah.gov)
What are the current SNAP amounts?
For FY 2025, a family of four in Utah can receive up to $975/month. See all household sizes above. (fns.usda.gov)
Are medical debts still on credit reports?
No—medical bills are banned from reports used by lenders as of June 15, 2025; dispute any that remain. (consumerfinance.gov)
What if a credit repair firm asks for money upfront?
That’s illegal under Utah’s Credit Services Organizations Act and CROA. Report it to DCP at 801‑530‑6601. (le.utah.gov, dcp.utah.gov)
How much Unemployment can I get?
Up to $777/week on new 2025 claims; apply the week you stop working. Up to 26 weeks if eligible. (jobs.utah.gov)
What if I can’t afford child care while I job‑hunt?
Utah’s child care subsidy can help working parents and certain training/education; income up to 85% SMI. Example: 3‑person family up to about $6,637/month. (jobs.utah.gov)
Where do I get dental care on Medicaid as an adult?
Utah expanded adult Medicaid dental benefits in 2025; call 866‑608‑9422 for provider help. (medicaid.utah.gov)
Is rental help still available?
The COVID‑era Emergency Rental Assistance program closed in 2023. Apply for vouchers/subsidized units via local PHAs and HUD’s Utah rental help page; call 211 for local funds. (jobs.utah.gov, hud.gov)
How much does bankruptcy cost?
Court filing fees are $338 * * (C ha pt er 7) an d * *$ 313 (Chapter 13). Fee waivers/installments may be available for low‑income filers. (deb.uscourts.gov)

Resources by region (quick connects)

Statewide Eligibility/DWS: 866‑435‑7414; mail: Imaging Operations, PO Box 143245, SLC, UT 84114‑3245. (jobs.utah.gov)
Salt Lake & Tooele: Utah Community Action—HEAT/HELP and other services—801‑359‑2444. (utahca.org)
Northern Utah: Call 211 to locate Weber/Davis Cache services and legal clinics; Utah Legal Services Ogden 801‑394‑9431. (211utah.org, utahlegalservices.org)
Central & Southern: Five County AOG (HEAT) 435‑652‑9643; Utah Legal Services St. George 435‑628‑1604. (utahrenewablecommunities.org, utahlegalservices.org)
WIC statewide: 877‑WIC‑KIDS (877‑942‑5437); clinic list on WIC site. (wic.utah.gov)

Quick credit repair toolkit (free)

Free weekly credit reports: AnnualCreditReport.com. (investor.equifax.com)
Dispute and debt‑collector letters: CFPB templates (debt validation, cease contact, credit report disputes). (consumerfinance.gov)
Identity theft recovery: IdentityTheft.gov and Utah ID Theft Central. (attorneygeneral.utah.gov)
Court self‑help: Utah Courts Self‑Help Center 888‑683‑0009; small claims limit $20,000. (utcourts.gov)

About This Guide

Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Utah Department of Workforce Services, Utah Department of Health and Human Services, Utah Courts, USDA FNS, HUD, CFPB, and established nonprofits. It follows our Editorial Standards including a primary‑source research model, cross‑verification, and rapid corrections. This content is independent and not a substitute for agency decisions or legal advice.

Last verified: September 2025 — Next review: April 2026

If you spot an error or a broken link, email info@asinglemother.org and we’ll review within 48–72 hours per our policy.

Disclaimer

Program changes: Rules and amounts can change quickly. Always confirm with the relevant agency before you act, especially for deadlines, income limits, and benefits.
Legal and financial advice: This is general information, not legal or individualized financial advice. For legal advice, contact an attorney or Utah Legal Services; for case decisions, rely on the official agency.
Site security: For your privacy, don’t email full SSNs or account numbers. Use official portals (myCase, AnnualCreditReport, IdentityTheft.gov) with secure connections.

Sources

Utah Courts – Garnishment & Debtor Rights (limits, 14‑day deadline). (utcourts.gov)
Utah DWS – FEP cash amounts & program. (jobs.utah.gov)
USDA FNS – FY 2025 SNAP COLA & maximums. (fns.usda.gov)
Utah DWS – SNAP rules, E&T. (jobs.utah.gov)
Utah WIC – Income guidelines & contacts. (wic.utah.gov)
Utah CHIP/State CHIP – 200% FPL monthly tables and enrollment notices. (oepmanuals-chip.dhhs.utah.gov, chip.utah.gov)
Utah Medicaid dental expansion & coverage. (medicaid.utah.gov)
HEAT/LIHEAP – eligibility, hotline, and benefit ranges. (jobs.utah.gov, liheapch.acf.gov)
RMP HELP/Dominion REACH – utility bill credits. (ocs.utah.gov, dominionenergy.com)
HUD Utah rental help & contacts. (hud.gov)
Utah UI – 2025 weekly max $777. (jobs.utah.gov)
CFPB final rule – medical debt removed from credit reports (effective June 15, 2025). (consumerfinance.gov)
Free weekly credit reports permanent (Equifax/Experian/TransUnion). (investor.equifax.com)
Statutes of limitations overview (cross‑check with Utah Code). (findlaw.com)
Utah Consumer Protection & DFI – complaints and lender verification. (dcp.utah.gov, dfi.utah.gov)

If you need one‑on‑one help finding the right doorway for your family, call 211 or 888‑826‑9790—they will stay on the line to connect you to live programs in your county. (211utah.org)

🏛️More Utah Resources for Single Mothers

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