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Chapter 7 Bankruptcy

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Filing Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the only type of bankruptcy that liquidates or gets rid of all of your debts without requiring you to pay anything back. In order to file under Chapter 7, debtors need to meet certain income requirements depending on their family size. In most cases, debtors are able to keep all of their property. Careful planning with your attorney will ensure that you retain most, if not all, your personal property.

Consulting With a Chapter 7 Bankruptcy Attorney in Utah

Chapter 7 bankruptcy is the most common bankruptcy filed. Our Utah bankruptcy attorney will prepare a bankruptcy petition for the bankruptcy court to eliminate your debts. With Chapter 7, debtors will be able to keep most of their personal property. Personal loans, credit cards, medical bills, and other unpaid expenses may be discharged through a Chapter 7 bankruptcy filing.

What Happens After I File Chapter 7 Bankruptcy?

Immediately after you file bankruptcy papers, the federal “automatic stay” will take effect. The automatic stay will provide the debtor protection from all collection activities, including car repossessions, wage garnishment, and home foreclosure sales.

Preparing to File Chapter 7 Bankruptcy in Utah

When you file Chapter 7 bankruptcy in Utah, debtors need to make an inventory of personal property. Green Legal Group will help you determine which property is exempt (debtors can keep) and non-exempt (debtors will surrender).

How Long Will a Bankruptcy Case Take?

Once you file a petition for Chapter 7 bankruptcy, it normally takes about four to six months for your case to be completed. There are several situations that can delay a bankruptcy case including:

Trustee needs more information. Creditors can ask for more information of documentation, which can delay a case until you acquire the documentation.
Delays in personal financial management courses. You are required to attend financial management courses to help prevent you from future bankruptcies and financial struggles. If you delay attending financial management courses, it will delay your debt discharge.
Creditors challenge dischargeability of debt. Creditors can challenge your bankruptcy case if they feel your debt should be wiped out. The court will hold a hearing to discuss the matter, which includes witness testimonies and review of documents.
Student loan debt discharge. You need to prove to the court that your student loan debt is causing undue hardship if you want to discharge it.

Contact a Utah Chapter 7 Bankruptcy Attorney

Contact Green Legal Group today to schedule a free Chapter 7 bankruptcy consultation.

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The Green Legal Group handle each of my three cases with delicacy, and performed strong when representing me during each case. I recommend them for difficulty cases, advocating fairness and justice, fighting legal matters on your behalf. They are transparent about their service and abilities. Best firm ever!

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