Our Lawyers Can Help You Get A Debt-Free Start

People who cannot afford their minimum debt payments may feel overwhelmed by creditor harassment and potential lawsuits. Many people with debt want a fresh start that lets them get out from under the burden of their debts and allows them to move forward with their lives. At the Law Office of Davis & Jones, P.C., our Taylorsville attorneys help people across eastern Utah and throughout the Salt Lake City metropolitan area get a fresh start with a Chapter 7 bankruptcy filing.

What Is A Chapter 7 Bankruptcy Filing?

A Chapter 7 bankruptcy filing, also called a liquidation bankruptcy, gives debtors who have fallen into unfortunate circumstances an opportunity to free themselves of their debts. This filing can discharge many types of debts, including credit cards, medical bills and personal loans. In a Chapter 7 filing, a trustee must sell many of a creditor's assets with a few exceptions.

The property exemptions from a trustee sale in Chapter 7 filing, can include:

  • A primary home
  • A vehicle
  • Retirement savings
  • Household goods
  • Furnishings
  • Disability
  • Burial plots

Chapter 7 filings require that debtors pass a "means test," which measures their disposable income level compared to their debts. To file for a Chapter 7, a debtor must not have filed a previous Chapter 7 in the past eight years or a Chapter 13 filing within the past six years. There are also several kinds of debts that a Chapter 7 filing will not discharge, including child support debts, alimony payments, pension plan debts and most student loans. Our attorneys can help you decide if a Chapter 7 or Chapter 13 bankruptcy filing is the right choice for your debts.

Get Answers To Your Questions In A Free Consultation

Our lawyers give clients overwhelmed with debt personalized and compassionate legal service. We can review your case and explain what the best option is for your unique situation. We will help you get a fresh start and fight to get you the best possible outcome for your circumstances.

To schedule your free consultation at our law firm call 801-261-2244 or email us. Our attorneys will find a time that works for your schedule and we quickly respond to messages.

We are a federally designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.