Filing Chapter 7 Bankruptcy
Consulting With a Chapter 7 Bankruptcy Attorney in Utah
What Happens After I File Chapter 7 Bankruptcy?
Immediately after you file bankruptcy papers, the federal “automatic stay” will take effect. The automatic stay will provide the debtor protection from all collection activities, including car repossessions, wage garnishment, and home foreclosure sales.
Preparing to File Chapter 7 Bankruptcy in Utah
When you file Chapter 7 bankruptcy in Utah, debtors need to make an inventory of personal property. Green Legal Group will help you determine which property is exempt (debtors can keep) and non-exempt (debtors will surrender).
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How Long Will a Bankruptcy Case Take?
Once you file a petition for Chapter 7 bankruptcy, it normally takes about four to six months for your case to be completed. There are several situations that can delay a bankruptcy case including:
Trustee needs more information. Creditors can ask for more information of documentation, which can delay a case until you acquire the documentation.
Delays in personal financial management courses. You are required to attend financial management courses to help prevent you from future bankruptcies and financial struggles. If you delay attending financial management courses, it will delay your debt discharge.
Creditors challenge dischargeability of debt. Creditors can challenge your bankruptcy case if they feel your debt should be wiped out. The court will hold a hearing to discuss the matter, which includes witness testimonies and review of documents.
Student loan debt discharge. You need to prove to the court that your student loan debt is causing undue hardship if you want to discharge it.
Contact a Utah Chapter 7 Bankruptcy Attorney
Contact Green Legal Group today to schedule a free Chapter 7 bankruptcy consultation.