Idaho & Utah Chapter 13 Bankruptcy Information

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a way for the debtor to rearrange his or her finances by consolidating the debt, reducing the payment based upon the debtor’s ability to pay and partially repaying the debt over a period of 3 to 5 years. Upon completion of the repayment plan, the debtor’s remaining debt is then discharged.

Stop Foreclosure, Wage Garnishment & Creditor Harassment

Filing bankruptcy 13 allows you to immediately stop foreclosure, repossession of your automobile, and wage garnishments. The bankruptcy automatic stay under chapter 13 immediately stops all collections (similar to a restraining order) by all your creditors, including home foreclosure, repossessions, and wage garnishments.

Who Qualifies For Chapter 13 Bankruptcy?

If you have a source of reasonably steady income, then you can qualify for chapter 13 bankruptcy. The main requirement for chapter 13 bankruptcy is that the debtor must have sufficient income to pay for his or her basic needs, like food, rent/mortgage, and living expenses and still have sufficient income to make payments according to a court-approved payment plan. An experienced chapter 13 bankruptcy lawyer with Ascent Law can help you determine if you should file chapter 13.

Save Your Home & Eliminate Negative Equity

If you owe more on your home or car than its current value (negative equity), we can help you eliminate the negative equity! Chapter 13 bankruptcy provides significant tools to deal with property that is upside down. Our experienced chapter 13 bankruptcy lawyers can evaluate your situation and determine if you qualify, so Free Bankruptcy Evaluation today!

Free Bankruptcy Consultation

Fill out our Free Bankruptcy Evaluation to schedule a free bankruptcy consultation with one of our Utah Chapter 13 Bankruptcy Att

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Cheap Bankruptcy Near You

Cheap Bankruptcy

…Get your bankruptcy case filed fast with an upfront payment as low as $200 down.

Are you being garnished, about to be garnished, or have another emergency and need to file immediately, but don’t have the upfront attorney’s fees to file? Get your case filed fast for $200 Down*.

That’s Right! With our Cheap Bankruptcy Near You, you can get your case filed and then we’ll setup affordable monthly payments to complete your case, so you can pay the rest over time. Finally an affordable way to file bankruptcy!

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Ascent Law Advantage

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Experienced Bankruptcy Attorneys

Many bankruptcy attorneys in Utah may claim to know financial law well, but in fact their main focus is something entirely different. At Ascent Law, our team of Bankruptcy experts focus primarily on Bankruptcy law so that you receive the best advice and service available.

Payment Plans Available

Knowing that you are facing what can seem like insurmountable debt, it can seem impossible that hiring an attorney is within your means. We understand that fear, and regularly work with clients to arrange a payment plan that fits within their budget.

Chapters 7, 11, & 13

There are several types of bankruptcy allowed by the State of Utah and the Federal government, and sometimes it can be a challenge to determine which fits your specific circumstance. We will look at your records and decide which is best for you.

Free Initial Consultation

Having financial difficulties but unsure if there is a legal remedy? The bankruptcy experts at Ascent Law can take a look at your specific situation and help you look at any solutions that may be possible.

Negotiate IRS & State Tax Debt

We have vast experience with both local Utah tax authorities as well as the IRS. Our expert negotiators can get you the absolute lowest settlement amount so that you can pay off any government debt and move on with your life.

Rebuild Your Credit

Your credit and repairing your credit. As well as personal debt relief experts, we at Ascent Law of Utah have repeatedly worked with members of the local business community to eliminate debt.

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6901 West Emerald St., Ste. 203B, Boise, Idaho 83703

Phone: (208) 807-2292

Fax: (801) 676-5508