Chapter 13

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Chapter 13 Bankruptcy Attorney In Salt Lake City, Utah

What Is A Chapter 13 Bankruptcy?

If you find yourself struggling with your house or car payments, Alta Legal in Utah offers a potential solution with a Chapter 13 bankruptcy. This approach can halt foreclosure on your home, assist you in retaining your car and might even reduce your car payments. In certain situations, you may be eligible for a plan where you only need to pay a fraction of your debt while keeping all your assets, including your home and car. Even if you're burdened with overdue parking fines that have resulted in the loss of your driver's license, Chapter 13 proceedings at Alta Legal may qualify you to get your license reinstated. To leverage these potential benefits, you need the savvy bankruptcy representation that Alta Legal provides. Our proficient attorneys, bring a strong track record in guiding clients through Chapter 13 proceedings.  With our help, you can get your financial situation back on track and gain peace of mind.


As mentioned above, filing for Chapter 13 bankruptcy can have a variety of benefits. It not only puts a stop to home foreclosures, but it can also help you keep your car and reduce your car payments. In some cases, you may even be able to keep all of your assets while only paying a fraction of your debt.


But what about other types of debts? Can Chapter 13 bankruptcy still provide relief? The answer is yes. Even if you have overdue parking fines that have resulted in the loss of your driver's license, filing for Chapter 13 at Alta Legal may allow you to get your license reinstated.


We're here to help you chart a path toward a positive outcome. Contact Alta Legal in Salt Lake City, Utah, to schedule a consultation with one of our proficient attorneys today.

Contact Alta Legal to schedule a consultation with a lawyer today. 385-412-6553

How Do I Qualify for a Chapter 13 Bankruptcy?

First and foremost, you need a steady and reliable source of income – enough to maintain regular payments as determined by the court. This income doesn't necessarily have to be from employment; you could be eligible if you're receiving Social Security or disability benefits, unemployment payment, retirement benefits, or even income from rentals. However, this type of financial relief isn't for everyone. If you're a stock or commodity broker, you won't be able to apply for this relief. Similarly, corporations are ineligible. On the other hand, sole proprietors and individuals who are self-employed could qualify if their debts are within certain prescribed limits. If your debts extend beyond three to five years, the odds are high that you might qualify, but a means test will be needed to confirm your eligibility. Alta Legal in Utah is well-versed with these procedures and can thoroughly scrutinize your situation prior to filing to help determine if this course of action is in your best interest. To take the first step, reach out to our office without delay.

What Happens During a Chapter 13 Proceeding?

First up, you'll need to confirm your qualifications through the means test we noted earlier. If you meet the criteria, filing for a Chapter 13 bankruptcy through Alta Legal in Utah will halt any foreclosures, wage garnishments, repossessions, lawsuits, or other impositions from your creditors. While we'll assist you in devising a repayment plan, court approval remains a crucial step. The court will assess if your proposed plan has been put forth in good faith, and that the sum your unsecured creditors will get is not less than what a Chapter 7 filing would have covered. Additionally, your payments should optimize all your disposable income - essentially all your income is not allocated towards sustenance and maintenance. It’s a comprehensive process, but with a seasoned bankruptcy attorney with you, you can be assured that you will navigate through this process successfully. To initiate the process, connect with our Utah office today.

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Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

Have Questions?

The attorneys at Alta Legal will meet with you, at no cost, for a full no-hassle consultation and evaluation of your case.
Call us today at 385-412-6553.

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