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Zero Down Bankruptcy Utah

Are you struggling with garnishments, creditor harassment, pending repossession or foreclosure and need immediate help? We can help you get immediate relief. We understand that most people who need to file bankruptcy don’t have the money to pay the attorney fees and court costs upfront. That’s why we offer our $0 Down Bankruptcy program. We understand that if you’re considering filing bankruptcy, you don’t have the ability to pay the attorney and court fees upfront. 

$0 Down Bankruptcy Program

Our competition doesn’t like our No Upfront bankruptcy program. We believe that honest, hard-working people deserve to have a viable way to file bankruptcy and get the protection that the US Constitution contemplates. That’s why we fought against our competition and the United State Trustee to allow us to offer low down bankruptcy and flexible payment plans to our clients. We spent two years fighting in court for the right to offer $0 Down Bankruptcy and affordable payment plans that don’t require you to pay all the costs and fees upfront.

How Does the Program Work?

If you qualify, and many people do, we will file an emergency chapter 7 bankruptcy case with no upfront attorney fees. You pay only the court filing fee and take the credit counseling course upfront. After the bankruptcy case has been filed–when creditors are required to stop collections, garnishments, and repossessions–we will set up flexible and affordable periodic payments to finish the bankruptcy case and pay the remaining attorney fees. We will work with you to find the right payment schedule–monthly, bi-weekly, or weekly.

Requirements For $0 Down Bankruptcy Program

To qualify for the $0 Down Promotional bankruptcy program you must meet the following criteria:

  1. You must be gainfully employed.
  2. You must pay the court filing fee upfront or within 5 days of your case being filed.
  3. You must make your first installment payment to us within 21 days of your case being filed.
  4. Your attorney fees must be paid within 12 months of your case being filed.

$0 Down Bankruptcy

Program designed to get you the help you need, when you need it.

Struggling with debt?

Get help today and stop creditor harassment.

File Fast

File fast with $0 down bankruptcy Utah. Affordable payment plans that work with nearly every budget

Free Consultation

Free consultation with an experienced Utah bankruptcy attorney.

Online Process

Simple and Convenient online process to engage, gather documents, review and get case filed without an office visit.

Bankruptcy Expert

We have successfully handled thousands bankruptcy cases. You can rest assured that your case will be handled with care.

Which Chapter of Bankruptcy is Right for You?

Utah Chapter 7 Bankruptcy

Utah Chapter 7 is bankruptcy is for people who have lower income and less property. It 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.

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.

Find Out Which Chapter You Qualify for with a free Utah bankruptcy consultation today!

Who Should File Bankruptcy

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

Areas We Serve

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.

Client Reviews

Client reviews in their own words.

We make filing bankruptcy
As Easy As 1.2.3
Take advantage of our years of experience and thousands of successful bankruptcy cases.
01

Choose Your Payment

We are so committed to making it as flexible as possible, we let you chose a low cost upfront payment. Our goal is to making filing bankruptcy as simple, affordable, and convenient as possible. That’s why we’ve spent so much time finding ways to make it easier for you.

02

Provide Documents

In order to file your case, we need the essential documents & information. We tell you this information in advance, so you can have everything in order to file quickly.

  1. Copy of your driver’s license for each party filing.
  2. Copy of your social security card (or original W-2) for each party filing.
  3. The last 7 months of all pay for each party filing.
  4. Copies of your state and federal tax returns for the 2 most recent years filed.
  5. Completion of our Questionnaire.
  6. Completion of the credit counseling course (you will receive instructions in a subsequent email)
03

Stop Creditors

As soon as your case is file the bankruptcy automatic stay immediately becomes effective stopping garnishments, creditor harassment, repossession, foreclosure, eviction and other creditor collections.

Utah Bankruptcy FAQs

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!

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