Welcome to Ogden UT Bankruptcy

All we do is chapter 7 and 13 bankruptcies. We love helping people get their financial lives back in order! We are the only bankruptcy firm in Utah that will file your case for just $500 down and let you make easy payments on the rest!
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HELLO!
My name is Aaron Nilsen.  I am a bankruptcy attorney based in Ogden, Utah.  I serve bankruptcy clients all throughout northern Utah, from Salt Lake to Logan.  Please read through the material on this website for information about chapter 7 and chapter 13 bankruptcy.  You can also call me directly at 801.721.9633 for a free consultation about your specific facts and circumstances.  That number is my cell phone and I am on it quite a bit so if you go to voice mail when you call, be sure to leave your name and number so I can call you right back.


If you've come to this web site looking for information about bankruptcy in northern Utah, read on!  Below I have posted some general information about the two kinds of consumer bankruptcy, chapter 7 and chapter 13.  But if you're thinking about filing bankruptcy you probably have some specific questions about your particular situation.  Please, don't hesitate to call me right now at 801.721.9633.  There really is no cost to get some quick answers to your questions and help guide you in making a decision about whether to file bankruptcy.

 

Interested in the $500 down program?  It's true, I will file your chapter 7 bankruptcy for $500 down.  Click here for more information.

 

 

CHAPTER 7 BANKRUPTCY.

What Chapter 7 does.
Chapter 7 bankruptcy is the kind most people think of when they consider bankruptcy.  It's the kind that wipes out all of your unsecured debt, such as credit cards, payday loans, medical bills, bounced checks, car repossessions, broken leases, etc.  Chapter 7 also stops all lawsuits, wage garnishments, debt collector calls, and any other type of collection activity.  You can use chapter 7 to walk away from debts on collateral that you don't want to keep and pay for, like car loans or furniture loans.
 
What Chapter 7 doesn't do.
Chapter 7 bankruptcy won't help you keep your home or car if you are behind on payments (for that situation take a look at chapter 13).  In most cases, chapter 7 won't help you get rid of tax debts.  Chapter 7 also does nothing to eliminate child support, alimony, and debts owed to governmental agencies (like unemployment or social security overpayments).
 
What will I lose if I file Chapter 7?
When you file chapter 7 bankruptcy, there is some kind of property the bankruptcy trustee can take away from you and sell, using the proceeds to pay off some of your debt.  This kind of property includes cars worth more than $2,500 that have no debt on them, high-end consumer electronics like big screen televisions, art, antiques, collectibles, guns, jewelry, stocks, cash, bonds and other investments.  You could also lose your home if you have more than $20,000 worth of equity in the home (or $40,000 for a married couple).
 
What cannot be taken in a Chapter 7?
Most of the personal property people own--such as clothing, household furnishings and appliances--are protected under bankruptcy law and cannot be taken away from you.  The best way to determine what is and what is not at risk of being seized is to make a detailed list of everything you own and ask a seasoned bankruptcy lawyer what would happend to the property in a chapter 7.  I go through this process every day with my clients.  In the majority of cases, my clients have nothing to fear.
CHAPTER 13 BANKRUPTCY
 
What Chapter 13 does.
Chapter 13 bankruptcy is a court-supervised debt consolidation program.  A person in chapter 13 makes a monthly payment to the bankruptcy trustee, who in turn pays off a portion of the total debts.  So long as the monthly bankruptcy payments are made, the person in chapter 13 is completely insulated from all collection activity, including wage garnishments, auto repossessions, home foreclosures, collection calls and lawsuits.  Chapter 13 is a great way to stop a pending auto repossession or home foreclosure; it gives you time to get caught back up on your arrears.
 
What Chapter 13 doesn't do.
Chapter 13 bankruptcy does not allow you to keep property (like cars, homes, jewelry, furniture or other collateral) without paying for it.  Instead, this type of bankruptcy allows you to pay back these debts on terms that you can actually afford rather than what the creditor is demanding.  Also, chapter 13 does not eliminate tax debts, child support or student loans. Rather, you can pay these back over time at a rate that is affordable.
 
What will I lose if I file Chapter 13?
When you file chapter 13 the law recognizes that you are paying back a portion of your debts and in return you are given much greater leniency on keeping property that might otherwise be taken in a chapter 7.  In fact, most people are permitted to keep all of their property in a chapter 13, even luxury items.  The only thing people generally have to give up in a chapter 13 is their annual tax refunds over $1,000 (you get to keep the first $1,000).