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Attorney representation in Murray, Utah since 1944 Chapter 7 and Chapter 13 Bankruptcy LawyerOur bankruptcy lawyer Jeffrey L. Kitchen realizes that filing for bankruptcy is a big step into the unknown for almost anyone. There are many questions, such as, "Can I keep my house?", or "How long before my credit report is clear again?" or "How much does it cost to file for bankruptcy?" Typically, people come to our law firm for help due to financial difficulties after a divorce, the loss of a job, the death of a spouse, catastrophic medical expenses, or some other life crisis that prevents paying the bills. Educating our clients about bankruptcyAt our Utah wide law firm, Day Shell & Liljenquist L.C., we take the time to educate our clients about bankruptcy, outlining the pros and cons of filing for Chapter 7 or Chapter 13 relief from debt. We offer free consultations to provide people with information and guidance. To schedule an appointment, contact our Murray, Utah, bankruptcy lawyers at Day Shell & Liljenquist L.C. We represent individuals needing to file bankruptcy throughout the State of Utah. If you live outside of the Salt Lake Valley, we can often work through the mail and by telephone to get your bankruptcy filings ready. Chapter 7 bankruptcyChapter 7 bankruptcy, the most common type of bankruptcy filed, allows people to immediately eliminate most, if not all, debts, including but not limited to judgments, credit card debt, electric or gas bills, rent, medical bills, and other types of unsecured debt. Filing for bankruptcy immediately stops harassing phone calls, demand letters, and wage garnishments. Often major assets may be retained if there is minimal equity available in the asset and you are able to reaffirm the debt associated with the asset and restart making payments after the bankruptcy is filed. Chapter 13 bankruptcyIf you are about to lose a home or a vehicle, you may want to file for Chapter 13 protection. Debtors who file for Chapter 13 protection must have some type of regular income from a job or other source, as it requires monthly payments to a bankruptcy trustee during the term of your bankruptcy plan, which can be extended over a period of years, as necessary. This type of bankruptcy protection is often used by people with a house or car who have fallen behind on the payments and need time to catch up rather than lose their assets. You can cure defaults in house payments and delinquencies in car payments, repaying the money due over an extended period, and also pay your unsecured creditors sometimes at cents on the dollar - in full satisfaction of the debt if you properly complete the bankruptcy plan. This type of bankruptcy can put you, rather than your creditors, in control of your finances again. Begin againBankruptcy is a way to start over, and is often referred to as a fresh start. When you visit our Murray, Utah, office, we will talk with you about bankruptcy, learn about your goals, and determine which type of bankruptcy filing is best for you. On occasion, our attorneys are able to avoid a bankruptcy filing altogether by negotiating on your behalf with creditors. To learn whether you can begin again by filing for Chapter 7 or Chapter 13 bankruptcy protection, contact a bankruptcy attorney at Day Shell & Liljenquist L.C. to schedule your free initial consultation. We are a debt relief agency, as determined by law. We help people file for relief under the Bankruptcy Code. A Law Firm for All Your Needs ● Se habla españolDay Shell & Liljenquist L.C. |
