Bankruptcy and Divorce

More often than not divorce and financial difficulties go hand in hand. If you think about it this makes sense, because when two people who had previously been sharing at least some of their living expenses decide to part ways and establish separate households, each of them becomes responsible for paying for everything that they then… Continue reading Bankruptcy and Divorce

If I'm married do I have to file bankruptcy with my spouse?

No, the United States Bankruptcy code does not require married couples to file together. However, in most of the cases I see, both spouses usually choose to file together. But there are exceptions, such as recent newlyweds, sometimes only one spouse files thereby preserving the credit standing of the other, non-filing spouse. You do need to… Continue reading If I'm married do I have to file bankruptcy with my spouse?

Will I lose my car if I file for bankruptcy?

I get this question all the time. “I need my car to get to work – will I lose it if I file for bankruptcy?” That’s a loaded question and hard to answer in 30 seconds. What you need to understand that every case is different but in most cases you can choose a type… Continue reading Will I lose my car if I file for bankruptcy?

What kind of question will a bankruptcy lawyer ask me in my first consultation?

I always tell prospective clients to be prepared to answer some questions like this: • What kind of debts do you owe? • Are you able to pay the minimum payments on your bills? • Do you find yourself spending more money than you make? • Are creditors constantly calling you? Are your wages being garnished? I… Continue reading What kind of question will a bankruptcy lawyer ask me in my first consultation?

Can I file for bankruptcy in Utah if I don’t have a job?

One of the most common reasons for filing for bankruptcy is when someone has lost of a job. The answer then is YES you can definitely file for bankruptcy if you don’t have a job but whether or not the bankruptcy will be successful will depend on which type of bankruptcy you file for. Chapter… Continue reading Can I file for bankruptcy in Utah if I don’t have a job?

Do I have any rights against a debt collector?

Most creditors start debt collection efforts with a series of form letters, then they move onto phone calls, and then either a repossession occurs or the debt is referred to a collection agency or an attorney for suit. Most parties that collect debt on behalf of an original creditor are restricted by the Fair Debt… Continue reading Do I have any rights against a debt collector?