Process To File Bankruptcy In Utah: Chapter 7

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Process To File Bankruptcy In Utah:
Chapter 7

Step 1 – Making the Decision to File for Chapter 7

The first step in the process to file bankruptcy in Utah is to consult with an experienced bankruptcy lawyer to increase the advantages of filing for bankruptcy. While bankruptcy isn’t the best solution in every situation, when it is appropriate it offers significant relief. With a convenient case evaluation, our experienced bankruptcy lawyers can help you determine if filing for bankruptcy is right for you. Schedule a free initial consultation today!

Step 2 – Pre-Bankruptcy Filing Steps

Once you retain our office, we help you gather all of the information needed to prepare and file your bankruptcy petition. Once your bankruptcy petition is filed with the court, an automatic stay goes into effect. The automatic stay prevents your creditors from legally taking any collection action against you–including garnishment, repossession, foreclosure, or collection calls–or any of your property. Violations of the automatic stay subject creditors to substantial penalties. If your situation involves an emergency, such as an imminent foreclosure, garnishment, or repossession then a bankruptcy filing can usually be done the same day of your initial consultation with our office. In an emergency matter, we help you file the minimum required paperwork to open a case and then file the remaining paperwork within fourteen days.

Step 3 – Meeting of Creditors

Within 4-6 weeks after filing your bankruptcy petition, together we will attend a meeting with the bankruptcy trustee called the 341 Meeting of Creditors. The 341 meeting is routine and the majority of the time your time with the trustee lasts a mere five to ten minutes. Prior to the meeting of the creditors our clients receive information detailing the typical questions asked by the truste and all the required documents to bring, so they are well prepared.

Step 4 – Discharge & Case Closure:

Usually 60 – 90 days after the 341 meeting, the court will order a discharge of your debts. In a typical case, the discharge takes place approximately four to five months after filing the bankruptcy case. Free Convenient Bankruptcy Consultation

Take the first step in the process to file bankruptcy in Utah by scheduling your Free Bankruptcy Consultation with us today!

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Which Chapter of Bankruptcy is Right For Me?

Utah Chapter 7 Bankruptcy

Chapter 7 in Utah is often called a liquidation. In chapter 7 you are entitled to keep all your “exempt” property–or property that is protected. Any non-exempt property may be liquidated or sold on behalf of your creditors. Most people that file for chapter 7 don’t lose any property.

To find out how chapter 7 will impact your property, schedule your free Utah bankruptcy consultation today!

Our Utah Bankruptcy Attorneys will help you understand your situation and guide you through the entire process.

Utah Chapter 13 Bankruptcy

Chapter 13 in Utah is a debt consolidation and repayment plan. Generally, your plan repayment plan amount will be based on your disposable income. The repayment plan will normally last between 36 and 60 months.  Chapter 13 is appropriate when:

  • You have a higher income
  • You have more substantial assets
  • You want to avoid foreclosure
  • You want to avoid repossession
  • You want to restructure a secured loan such as a mortgage or auto loan

To find out how chapter 13 can help you, schedule a free consultation today!

(c) Copyright Weekes Law, PLLC 2011-2019. All Rights Reserved. This website is not intended to be legal advise or create an attorney-client relationship. Information, forms or documents are intended for general information only and may not be regarded as legal advice. Laws change periodically, and the contents of this site is not guaranteed to be up-to-date. It is highly recommended that you seek professional legal advice so you can understand your full rights and obligations under the law.