Bankruptcy is a way to get a fresh start free of debt.

The two common types of consumer bankruptcy are chapter 7 and chapter 13. The chapter that is right for you depends on your unique financial situation, and will be determined after discussions with our attorney but the information below should answer some of your basic questions. If you would like more information you may also visit our Bankruptcy website Stop Debt Utah at www.stopdebtutah.com

Chapter 7 may eliminate most types of unsecured debts, such as credit cards; medical bills; most personal loans; judgments resulting from car accidents; and deficiencies on repossessed vehicles.  If your house and car payments are current, you may be able to keep your home, car, and personal belongings, but eliminate your debt; that is our goal with Chapter 7.

Chapter 13 is a debt repayment plan, through which you consolidate your debts and make a payment on your debt over a 3 to 5 year period.  While in a Chapter 13 debt repayment plan, the creditors cannot collect from you, and the creditors are required to adhere to the terms of the plan. The plan payment is calculated based upon the amount and type of your debt and your income and expenses.  Debts that are generally consolidated in a Chapter 13 bankruptcy are mortgage arrears, balances on vehicle loans, student loans, credit card debts and other unsecured debts. All outstanding debts must be included in the Chapter 13 bankruptcy consolidation.

Our Bankruptcy Attorneys can help you with the following situations:

·         Stop Bill Collectors

·         Stop Pay Day Loans

·         Stop Lawsuits

·         Stop Repossessions

·         Stop Foreclosures

·         Stop Tax Garnishment

·         Avoid Bad Credit

·         Get help with Student Loan Debt

·         Get help with Judgments

·         Get Help with Back Taxes

Talk to a bankruptcy lawyer today to see if bankruptcy is right for you.

801-393-5555