Reach Out To Us Today: Greater Ogden 801-658-6901 | Greater Salt Lake 801-658-6901
Reach Out To Us Today: Greater Ogden 801-658-6901 | Greater Salt Lake 801-658-6901
Yes. Having a job does not block bankruptcy, and the 2025 federal filing data shows 62% of consumer cases were filed under Chapter 7 and 38% under Chapter 13. Your paycheck is the steering wheel: it helps determine whether Chapter 7 fits or whether Chapter 13 is the…
A parent watches a grocery card decline at the checkout because a creditor's levy has reached the bank account. A small-business owner discovers that the operating account is locked just before payroll is due. A retiree sees a Social Security deposit sitting in an account, but the bank…
Yes, filing for bankruptcy can affect your spouse, but it usually does not damage their credit file because you filed. The exposure comes from joint debts, co-signed accounts, and property the law treats as shared. A Utah couple often reaches this question at the kitchen table after months…
Filing for bankruptcy does not automatically mean losing your car. In many Utah cases, what happens next depends on equity, exemptions, whether the loan is current, and which chapter you file. That's the part people need to hear first when they're staring at overdue medical bills, credit card…
If your Chapter 13 case is already filed, the answer depends on timing, pre-petition refunds are generally property of the bankruptcy estate and usually have to be turned over, while post-petition refunds are typically treated as disposable income and may need to go into the plan. In some…
You just pulled your credit report, saw a bankruptcy still sitting there, and felt your stomach drop. Maybe the case closed years ago. Maybe you've rebuilt your life, paid your bills, and still that one entry keeps blocking loans, housing, and peace of mind. Here's the blunt truth….
Understanding the eligibility requirements for Chapter 7 and Chapter 13 bankruptcy When determining whether you qualify to file bankruptcy in Utah, the first step is identifying which chapter of bankruptcy you’re considering—Chapter 7 or Chapter 13. Each chapter has its own set of eligibility rules, so the requirements…
If you're staring at two sets of car keys and wondering whether Chapter 7 means one of those vehicles is about to disappear, you're asking the right question. In Utah, a two-car household usually isn't a luxury. One spouse needs to get to work. The other needs school…
If you're reading this after another collection call, a missed payment, or a letter threatening a lawsuit, you're in the same place many Utah families reach before they talk to a bankruptcy lawyer. You're trying to solve a real problem while the internet throws buzzwords at you. Debt…
The feeling usually hits at night. You open the mail, see another collection notice, remember the card payment you missed, and wonder whether the next step is a lawsuit, a garnishment, or a foreclosure notice. If you're in Utah and thinking, “I am drowning in debt. What are…
