Bankruptcy protects debtors from collections, garnishment, repossession, foreclosure, eviction, lawsuits, and collection calls. If you are dealing with any of these issues, then bankruptcy may be appropriate for you. If you are dealing with any of the following, bankruptcy may be appropriate:

• Unable to make payments to creditors when the payment is due
• You borrow money to pay debts
• You have or are considering payday loans
• You have lost your job
• You have medical bills that you can’t pay

There are four different chapters of bankruptcy that a person can file: Chapters 7, 11, 12, or 13. The two most common chapters for individuals or couples are Chapter 7 or Chapter 13.

UTAH CHAPTER 7 BANKRUPTCY

Utah Chapter 7 is frequently called a liquidation. Your property is designated either “exempt” property, which is protected, or non-exempt, which is unprotected. Any unprotected property may be sold or liquidated (hence the term liquidation) on behalf of your creditors. Most people that file for chapter 7 don’t lose any property. Find out how our experienced bankruptcy attorney can help you protect your property in bankruptcy. Schedule your free Utah bankruptcy consultation today! Our Tooele Bankruptcy Attorney will help you understand your situation and guide you through the entire process.

UTAH CHAPTER 13 BANKRUPTCY

Utah Chapter 13 is a debt consolidation and repayment plan based on your disposable income. Your disposable income is determined by calculating your monthly income and subtracting your monthly necessary expenses. The repayment plan will normally last between 36 and 60 months. Chapter 13 has additional tools to restructure or rehabilitate secured debts like your mortgage, if you are past due, recover a repossessed auto, restructure interest rates, and in some cases reduce the principal balance.

To find out which chapter of bankruptcy is right for your situation, schedule a free consultation today!

Weekes Law bankruptcy attorneys serve all of the State of Utah. Utah is divided into four regions for creditor meetings: Ogden (Northern), Salt Lake City (Central), Provo (South Central), and St. George (Southern). Our bankruptcy attorneys regularly appear in and are familiar with the trustees in each district. The district is determined by the home address provided to the Bankruptcy Court at the time the bankruptcy case is filed.

OGDEN – The Ogden region covers Weber, Morgan, Box Elder, Rich, Cache, and parts of Davis Counties. So residents from Logan to Layton will all be assigned to Ogden. Sometimes residents of Bountiful will be assigned to Ogden and other times we’ve seen them assigned to Salt Lake. When the meetings are conducted in person, the meetings are held at the James V. Hansen Federal Building.

SALT LAKE CITY – The Salt Lake City region includes Salt Lake, Tooele, Summit and sometimes some residents in Davis Counties. When the meetings are conducted in person, the meetings are held at the office building located at 405 South Main Street, Suite 250 in Salt Lake City. This is NOT the Bankruptcy Court that is across and up the street a half a block.

PROVO– The Provo region includes Utah, Wasatch (Heber), Duchesne, Uintah, Juab, Sanpete, Carbon, Millard, Sevier, Emery, Grand and San Juan Counties. When the meetings are conducted in person, the meetings are held at the Provo Library.

ST. GEORGE – The Saint George region includes Beaver, Piute, Wayne, Iron, Garfield, Kane, and Washington Counties. When the meetings are conducted in person, the meetings are held at the Justice Court building at 87 North 200 East.

We frequent get asked whether bankruptcy is dishonest or unethical. In our experience the overwhelming majority of people who file bankrutpcy are honest, hard-working and upstanding people. Most people file bankruptcy as a result of unexpected medical bills, the loss of a job, divorce, or some other unexpected and frequently uncontrollable event. The framers of the United States Constitution specifically provided for a uniform system of bankruptcy to deal with this issue. Bankruptcy is both honest and ethical. To read more about why Bankruptcy was part of our Federal Constitution, read our blog article Does Filing For Bankruptcy Mean You’re Dishonest or Unethical?

Yes! We have litigated and won in Bankruptcy Court against our competition and the United States Trustee to allow us to offer flexible payment plans to our clients. We understand that most people needing to file for bankruptcy don’t have the money to pay the amount of money that is typically charged upfront. 

No other firm can make that claim. 

For a limited time…you can file fast with a low down or even $200 Down Bankruptcy! We setup easy monthly payments after the case is filed. Get started today!