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Best Bankruptcy Attorneys in Saint George

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Chamberlain Law logo
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Chamberlain Law

206 Tabernacle Street, St. George, UT 84770
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  • Debt Settlement

Business Description

Chamberlain Law in Saint George, founded in 2009, represents clients seeking relief under the U.S. Bankruptcy Code. Attorney Nic Chamberlain is a full-service attorney who takes on clients facing all types of bankruptcy situations. In addition, the firm offers assistance in business law matters and litigation, and it has a history of handling family and estate cases. Other services include representation in the criminal courts for both misdemeanors and felonies.

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.
3.9
Google
3.5 / 5 (8)
Farris & Utley, PC logo
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Farris & Utley, PC

2107 West Sunset Boulevard, St. George, UT 84770
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Established in 1985, Farris & Utley, PC, is a law firm serving individuals and businesses in Saint George and the rest of the state. Its bankruptcy lawyers provide legal services in matters involving Chapter 7 and 13 bankruptcies. The firm also helps clients understand their rights and debt relief options. Other areas of practice include estate planning, litigation, divorce, and criminal defense. The partners at Farris & Utley have previously held positions at the Southern Utah Bar Association and the Board of Advocates.

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.
5.0
Avvo
5.0 / 5 (1)

Professionalism:

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5.0
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Johnson & Gubler, P.C. logo
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Johnson & Gubler, P.C.

162 North 400 East, St. George, UT 84770
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Johnson & Gubler, P.C., is a full-service law firm serving Saint George. Its team of bankruptcy lawyers assists individuals and businesses in filing for bankruptcy under chapters 7, 13, and 11 of the bankruptcy code. The firm handles cases in a wide range of areas including business law, estate planning, personal injury, and construction litigation. President Matthew L. Johnson has been practicing law since 1996 and has years of volunteer experience in helping children who need legal representation. His services are available in English and Spanish. He's one of the very few attorneys in Nevada that is Board Certified in Business Bankruptcy Law, and certified as a specialist in business bankruptcy law by the State Bar of Nevada.

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
Facebook
5.0 / 5 (10)

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
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Kristin K. Woods, PLLC logo
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Kristin K. Woods, PLLC

1091 N. Bluff St. Suite 306, Saint George, UT 84770
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Kristin K. Woods, PLLC is a law firm that is based in Saint George. The firm's attorney, Kristin K. Woods, has represented clients in various bankruptcy cases since 2009. Woods provides debt relief options through chapter 7 and chapter 13 representation. Kristin K. Woods, PLLC also handles family law matters that involve domestic partnerships, separation, divorce, child support, and termination of parental rights. Other areas of practice are wills and trusts, and guardianships.

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.
4.4
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

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
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Slemboski & Tobler Attorneys at Law logo
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Slemboski & Tobler Attorneys at Law

32 East 100 South, St. George, UT 84770
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  • Debt Settlement

Business Description

Slemboski & Tobler, Attorneys at Law, is a legal firm in Saint George representing individuals, families, and businesses in a wide range of matters throughout Southern Utah. Its attorneys provide debt relief services through bankruptcy protection. Chapters 7 and 13 bankruptcy filings can stop wage garnishments, vehicle repossessions, frustrating creditors' calls, IRS tax debt, lawsuits, wage garnishments, and home foreclosures. Other practice areas include family, landlord/tenant, immigration, and criminal law.

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
4.9 / 5 (36)
Facebook
4.0 / 5 (4)

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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––
Watton Law Group logo
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Watton Law Group

Saint George, UT
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Watton Law Group provides legal services to clients in Saint George. Over the last 25 years, the law office has helped clients overcome their financial difficulties by assisting them through the process of filing bankruptcy under chapter 7 or chapter 13 of the United States Bankruptcy Code. Attorneys at the firm also handle class action lawsuits in both federal and state courts. Partner Michael J. Maloney oversees the bankruptcy department at the firm. Maloney is licensed to practice in Missouri, Wisconsin, and Utah.

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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