Filing for Chapter 7

Many people are afraid of and intimidated by the bankruptcy process. After all, it is a very serious and important legal matter that affects a person’s financial past, present, and future. If done incorrectly, it can be an expensive process that only serves to worsen your financial situation. But when it is handled by experienced professional advocates like our talented staff at Bankruptcy Utah, it can give you a second chance and relieve you of a lot of the debt that you owe. We have a long history of successfully helping our clients successfully file bankruptcy and helping them get a second chance to master their money and rebuild their financial lives. When you trust us to help you file Chapter 7 bankruptcy, rest assured that we will do everything we can to help you file successfully.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy allows you to erase some of your debts. Usually, it is an option for people with a limited income, and when a person’s income is too high, they are not allowed to file Chapter 7 and instead must file Chapter 13. When people do meet the qualifications to file, they are given the opportunity to liquidate their debt, completely erasing it, allowing them to continue forward free of the burden that is overwhelming debt.

There are some things to keep in mind before you file. For example, when you successfully file Chapter 7 bankruptcy, many of your possessions will be sold to repay your existing debts. Essentially, the court will forgive you of your debts only after you have done everything you can to repay them, and that includes selling many of your possessions to pay off as much debt as you can. If you would like to keep your possessions, such as your home, cars, jewelry, and other expensive items, you will want to consider filing Chapter 13 bankruptcy. But if you are willing to do whatever it takes to eliminate your debt, Chapter 7 is your best option. Again, here are some things to keep in mind before filing Chapter 7:

  • Many of your possessions will be sold to repay your debts. These possessions include but are not limited to: houses and other properties, cars and other vehicles, jewelry, and other expensive possessions. Only certain possessions can be kept when you file.
  • Your debts will be entirely forgiven. In some cases, there are some exceptions, such as student loan debt, but for the most part, your debt will be entirely forgiven.
  • Your credit score will be negatively impacted. Chapter 7 bankruptcy will stay on your credit report for 10 years, and during that time, it will have a negative impact on them. Over time, however, that impact will decrease. If you dedicate yourself to controlling your finances and building your credit after you file, you can regain everything you lost and more.
  • Only certain people qualify for Chapter 7 bankruptcy. We can help you determine whether or not you will qualify, and if you don’t, we can help you choose the best route to take on your journey to financial stability.

How We Can Help

When you file bankruptcy, having the right representation is critical. It is very important that you choose experienced and professional advocates to give you the highest chance of successfully filing bankruptcy. Bankruptcy Utah has a reputation for being professional, efficient, and successful in the courtroom. We have years of experience handling these matters and know the ins and outs of the bankruptcy process. When you choose us to be your advocates, you are making a sound investment in your financial future because you are allowing some of the best bankruptcy lawyers to represent you in a court of law.

Call Us Today


If you are in a difficult financial situation and find yourself being crushed by the burden of debt, call us today. We are the bankruptcy representatives you need to file Chapter 7 bankruptcy and be relieved of your debts. We will work with you to determine your financial goals and represent you in Utah’s courtrooms to get you the help you need. Like you, we are committed to helping you get your financial life back on track and relieving you of all of your debt.