Business Details
26 Years
experience
Emergency
services
Your Trusted Utah Bankruptcy Law Firm
Utah Bankruptcy Professionals has provided trusted legal guidance for individuals and small businesses navigating financial distress since 2000. With over three decades of combined experience, our team specializes in Chapter 7 and Chapter 13 bankruptcy solutions, offering immediate creditor protection and personalized debt relief strategies. We prioritize client education through free consultations, ensuring clients understand all available options before proceeding.Our practice emphasizes transparency, with no hidden fees and a commitment to stress-free case management from start to finish. We serve clients across Utah, focusing on Salt Lake City and surrounding areas, while maintaining a client-centric approach that balances professionalism with compassionate support.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Prevention
Loan Modifications
Tax Debt Relief
Vehicle Repossession Defense
Debt Restructuring
Asset Protection
Details
- Year established: 2000
Highlights and features
- We offer free no-obligation bankruptcy consultations with experienced attorneys
- Our team has over 30 years of combined bankruptcy law experience
- We provide 24-hour emergency bankruptcy filing to stop creditor actions
- We maintain a personalized approach while handling cases efficiently
- Our process includes comprehensive exemption analysis to protect client assets
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates most unsecured debts while protecting essential assets through Utah exemptions. We help clients determine eligibility through means testing and guide them through the 3-6 month process. Our team ensures proper exemption planning to protect homes, vehicles, and personal property up to state limits.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debts into affordable 3-5 year repayment plans. We assist clients in curing mortgage defaults, reducing vehicle loan balances, and modifying payment terms. Our process includes creating feasible budgets and negotiating with creditors to maximize debt discharge.
Foreclosure Defense
Our foreclosure defense service stops home sales through immediate bankruptcy filings. We help clients catch up mortgage arrears via Chapter 13 plans and negotiate loan modifications with lenders. The service includes analyzing equity protection under Utah's $30,000-$60,000 homestead exemption.
Asset Protection
Asset protection service maximizes exemption utilization under Utah Code Title 78. We analyze clients' property values against exemption limits for vehicles ($3,000-$6,000), household goods, and retirement accounts. Our planning prevents asset liquidation in Chapter 7 cases while structuring repayment in Chapter 13.
Debt Restructuring
Debt restructuring service consolidates obligations into manageable payments. We evaluate secured debt cramdowns for underwater assets and negotiate reduced balances on unsecured debts. The service includes creating sustainable budgets that meet bankruptcy court requirements for disposable income calculations.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates most debts in 3-6 months but requires asset liquidation analysis. Chapter 13 restructures debts into 3-5 year payment plans while protecting assets. Eligibility depends on income, debt levels, and financial goals.
Can bankruptcy stop foreclosure on my Utah home?
Yes, filing either Chapter 7 or Chapter 13 immediately stops foreclosure. Chapter 13 allows catching up mortgage arrears over 3-5 years while protecting equity through Utah's homestead exemption.
Will I lose my car in bankruptcy?
Utah's $3,000-$6,000 vehicle exemption protects most cars. Chapter 13 allows reducing loan balances on vehicles purchased more than 2.5 years prior through cramdown provisions.
How much does bankruptcy cost in Utah?
Attorney fees vary based on case complexity. Chapter 7 typically costs $1,200-$1,500 while Chapter 13 ranges $3,500-$4,500, with payment plans available. Court filing fees apply separately.
Can I get a free bankruptcy consultation?
Yes, we offer free no-obligation strategic planning sessions to review your financial situation, explain options, and answer questions about the bankruptcy process.
