Chapter 7

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Chapter 7 Bankruptcy Attorney In Salt Lake City, Utah

Is Chapter 7 Bankruptcy Right for Me?

By filing a Chapter 7 bankruptcy through Alta Legal in Utah, most of your debts, such as payday loans, medical bills, credit cards, and personal loans can be dispelled. Possessions like your car and house can still be retained, provided you continue with prompt payments. The benefits keep mounting. The moment you apply for bankruptcy, you can put an end to all hostile engagements including legal battles, wage garnishments, and frozen bank accounts. However, strict requirements exist, making it crucial to have guidance from a well-versed Chapter 7 legal team. Alta Legal, located in Utah, boasts a remarkable track record in facilitating a fresh financial start for our clients.


But what exactly is Chapter 7 bankruptcy? It is a legal process that allows individuals or businesses to discharge their debts and start fresh financially. This means that you will no longer owe the money that was previously causing stress and anxiety in your life.


One of the key benefits of filing for Chapter 7 bankruptcy is the automatic stay. As soon as you file, all hostile actions from creditors must come to an immediate halt. Reach out to Alta Legal today to understand how we can assist your path to financial recovery.

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

Are There Any Types of Debt Chapter 7 Doesn’t Cover?

Chapter 7 bankruptcies in Utah may not absolve all types of debt. If you're dealing with past-due income taxes, child or spousal support, or student loans, you'll need to explore alternative payment methods. However, filing for Chapter 7 bankruptcy for other debts can create room in your finances to manage these obligations. That's where Alta Legal steps in. Our proficient team at Alta Legal,  in Salt Lake City, can relieve your stress by guiding you through the process of bankruptcy and assist in formulating a plan to help you regain financial freedom. Schedule an appointment with our seasoned team at Alta Legal today!

What Are Some of the Requirements for a Chapter 7 Bankruptcy?

At Alta Legal in Utah, we aim to prevent high-income individuals from taking a shortcut to Chapter 7 bankruptcy. Applicants for this bankruptcy must satisfy a means test, ensuring the court that your income cannot realistically be used to settle your debts. Financial counseling is a necessity during the six months leading up to your filing. To navigate these requirements and get the right paperwork in order, you'll want to consult with a bankruptcy lawyer well in advance to ensure a smooth and efficient procedure. 


While bankruptcy may seem like an easy way out of overwhelming debt, it's important to understand the complex requirements and implications before making a decision. The means test, in particular, is designed to prevent individuals with high incomes from taking advantage of Chapter 7 bankruptcy as a shortcut. This test takes into account your income, expenses, and other financial factors to determine if you are eligible for this type of bankruptcy.


Filing for Chapter 7 bankruptcy also requires financial counseling during the six months leading up to your filing. This is meant to help you understand your current financial situation and explore alternative options before resorting to bankruptcy. It can also give you valuable insight into how to manage your finances better in the future.



Start your journey towards financial independence today. Reach out to our team at Alta Legal for a consultation now.

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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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