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Best Bankruptcy Attorneys in Provo

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Alta Legal logo
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Alta Legal

470 North University Avenue, Provo, UT 84601
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Alta Legal handles bankruptcy cases in Provo. The firm's team of bankruptcy lawyers represents clients who have unpaid medical bills, business debts, job loss over an extended time period, and credit card debts and guides them in filing for chapter 7, 11, 12, or 13 bankruptcy. They deal with the possible discharge of some debts and help prevent foreclosure and repossession. Alta Legal also handles cases involving personal injury law, wrongful death, wills and trusts, and social security claims.

Reputation:

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4.4
Google
4.6 / 5 (50)
Facebook
2.5 / 5 (8)
Avvo
4.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Brook Sessions, PC logo
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Brook Sessions, PC

10808 South River Front Parkway, South Jordan, UT 84095
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Student Loan Debt
  • Chapter 11 Bankruptcy

Business Description

Brook Sessions, PC is a bankruptcy law firm offering a variety of legal services through its Provo and South Jordan locations. Its main practice areas are bankruptcy, criminal defense, and family law. Under bankruptcy assistance, particularly when filing for chapter 7 bankruptcy, the firm helps clients discharge their debts to help give them a fresh financial start. This chapter also allows clients to stop debt collection calls and wage garnishments, and prevents the termination of the client's utility services.

Larsen Law Firm logo
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Larsen Law Firm

75 South 300 West, Provo, UT 84601
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  • Chapter 7 Bankruptcy

Business Description

The Larsen Law Firm offers a host of legal services to clients through its Provo office. It focuses on three areas of law, namely: adoption, family law and divorce, and bankruptcy. In its role as a bankruptcy law firm, it helps clients file for a chapter 7 bankruptcy to give them a fresh start financially. It allows clients to discharge all debts and stop garnishments. Additionally, it helps divorced clients clear out their debts through a bankruptcy claim.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (64)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Rock Canyon Law logo
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Rock Canyon Law

2696 North University Avenue, Provo, UT 84604
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Rock Canyon Law is a bankruptcy law firm representing clients in Provo and throughout the Utah area. Founding attorney Jacob R. Powell has been a practicing lawyer since 2005 and is knowledgeable in several practice areas including bankruptcy cases. Powell advises clients on the best financial option for them and helps them file for bankruptcy relief under the Bankruptcy Code whenever necessary. Powell's areas of expertise include chapter 7 bankruptcy, chapter 13 bankruptcy, creditor representation, debt negotiation, and foreclosure avoidance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
5.0 / 5 (2)
Utah Bankruptcy Guy logo
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Utah Bankruptcy Guy

1215 South Main Street, Orem, UT 84058
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Servicing Provo and Utah County, the Law Office of Douglas Barrett, LLC, offers bankruptcy assistance to clients seeking a fresh start in financial management. Also known as the Utah Bankruptcy Guy, Barrett helps small businesses and financially distressed individuals through debt-related legal proceedings. His focus primarily lies on chapter 7, 12, and 13 bankruptcy issues as well as bankruptcies related to medical expenses. Barrett began his legal career in 2000 and has been recognized by Utah Business Magazine for his work in the bankruptcy practice.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Watton Law Group logo
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Watton Law Group

311 South State Street Suite 280, Salt Lake City, UT 84111
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group has been providing legal services for over 20 years. Its lawyers assist clients in Provo in filing for bankruptcy under chapters 7 and 13 of the United States Bankruptcy Code. They also help them manage their finances and halt bill collectors and credit card interests. The firm also represents clients in class action lawsuits. Michael J. Maloney, a partner and head of the firm's bankruptcy department, also practices law in Wisconsin and Missouri state courts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (174)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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