Chapter 13 bankruptcy is a way for the debtor to rearrange his or her finances by consolidating the debt, reducing the payment based upon the debtor’s ability to pay and partially repaying the debt over a period of 3 to 5 years. Upon completion of the repayment plan, the debtor’s remaining debt is then discharged.
Filing bankruptcy 13 allows you to immediately stop foreclosure, repossession of your automobile, and wage garnishments. The bankruptcy automatic stay under chapter 13 immediately stops all collections (similar to a restraining order) by all your creditors, including home foreclosure, repossessions, and wage garnishments.
Who Qualifies For Chapter 13 Bankruptcy?
If you have a source of reasonably steady income, then you can qualify for chapter 13 bankruptcy. The main requirement for chapter 13 bankruptcy is that the debtor must have sufficient income to pay for his or her basic needs, like food, rent/mortgage, and living expenses and still have sufficient income to make payments according to a court-approved payment plan. An experienced chapter 13 bankruptcy lawyer with Capstone Law can help you determine if you should file chapter 13.
Save Your Home & Eliminate Negative Equity
If you owe more on your home or car than its current value (negative equity), we can help you eliminate the negative equity! Chapter 13 bankruptcy provides significant tools to deal with property that is upside down. Our experienced chapter 13 bankruptcy lawyers can evaluate your situation and determine if you qualify, so schedule a free evaluation today!
Free Bankruptcy Consultation
Fill out our Free Bankruptcy Evaluation to schedule a free bankruptcy consultation with one of our Utah Chapter 13 Bankruptcy Attorneys today to learn how bankruptcy can get you back on top of your financial situation.
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Capstone Law was professional, helpful, and easy to work with. They kept us informed on what was going on to make sure that we understood what was being done and what was expected of us. We were glad we chose them. Continue Reading
So glad I found Capstone Law on a Search when I was seeking help in a tough situation they made the WHOLE entire process stress free and they are so easy to work with and they work with you through the Whole Entire Process. Continue Reading
Thank you so much for everything, I will give a good referral to my friends and family who need to file bankruptcy about your firm. I want to thank you also cause your office is casual and you make people feel comfortable. Continue Reading
Why Are We The Leading Chapter 13 Firm in Idaho & Utah?
Experienced& Respected Attorneys
Our bankruptcy attorneys have developed a reputation of respect with both the court and the chapter 13 trustee’s office. That respects enables us to get cases confirmed quickly.
Out individual attention to each client and each case has helped us grow our bankruptcy practice to one of the largest in Utah. Simply put: our process and case handling provides greater care than our competition; that’s why we’re successful: we put the client first.
Thorough& Easy Process
Our commitment to individual attention and convenient process quickly made us the leader of top bankruptcy firms. We believe that a good bankruptcy lawyer is one who understands all the available options and then candidly counsels his clients to solutions that best meet the client’s individual circumstances and then makes the process easy for the client.
Proudly Serving Idaho & Utah
Our locations are conveniently located for easy access from I-15.
207 East 860 South, Orem, Utah 84058
8823 South Redwood Rd., Ste. C, West Jordan, Utah 84088
AREAS WE SERVE
Salt Lake County: Salt Lake City, Sandy, Draper, West Valley, Logan, South Jordan, West Jordan, Taylorsville, Herriman, Magna, Logan, Bluffdale, Riverton, Magna, Midvale, Cottonwood Heights,
Utah County: Provo, Orem, Eagle Mountain, American Fork, Saratoga Springs, Payson, Springville, Lehi, Alpine, Pleasant Grove, Springville, Spanish Fork, Payson
Other Areas: Bountiful, Layton, Ogden, Centerville, Clearfield, Heber City, Park City, Vernal, Juab, Manti, & Price
Boise, Nampa, Meridian, Caldwell, Eagle, Idaho City, Kuna, Middleton, Emmett, Marsing, Homedale, Sand Hallow, Star, Enrose, Notus, Kings Corner, Pleasant Valley, Sonna.
Utah County Office
207 East 860 South
Orem, Utah 84058
Salt Lake Office
8823 South Redwood Rd.
West Jordan, Utah 84088
6901 West Emerald St.
Boise, Idaho 83703