Utah Bankruptcy

Chapter 7 bankruptcy: Through a Chapter 7 bankruptcy, you may be able to discharge your debts, including credit card debts, medical bills and other unsecured debts. Only a limited number of debts, such as child support arrears, may not be discharged through a Chapter 7 bankruptcy.

Chapter 13 bankruptcy: A Chapter 13 bankruptcy is a type of debt repayment plan that your attorney submits to a bankruptcy court judge for approval. If your plan is approved, your creditors must abide by the terms of the plan. Through a Chapter 13 bankruptcy, you may be able to obtain additional time to pay your debts and even discharge a portion of them as well.

Home foreclosure avoidance: Through a Chapter 13 bankruptcy, you may be able to stop a home foreclosure even if the process of foreclosure has begun.

Stop creditor harassment: When you file for Chapter 7 or Chapter 13 bankruptcy, most creditors are barred from further collection activity, including harassing collection calls and other forms of creditor harassment.

Auto repossession avoidance: When you file for bankruptcy, an automatic stay on further collection activity is created. Through a debt reaffirmation in a Chapter 7 bankruptcy or through a more gradual debt repayment option in a Chapter 13 bankruptcy, you may be able to avoid an auto repossession.

Credit card and medical debt relief: A Chapter 7 bankruptcy discharges unsecured debts like credit card debts and medical bills. To be eligible for a Chapter 7 bankruptcy, you must meet an economic means test.