"Chapter 13 Bankruptcy is not failure... Its your legal right to a fresh financial start."
When you have trouble keeping up with your debts, its easy to feel overwhelmed. You want your life back. You want to pick up the phone and not be afraid that it is an angry bill collector on the other end. You have thought about bankruptcy but all you hear are bad things about it... and you worry about your future.
The truth is bankruptcy is not failure. Its a chance at a fresh financial start. It's your legal right to shake off the chains of excessive debt that are holding you down and to begin again. I help hundreds of people every year in Utah relieve themselves of the financial challenges that are holding them back. In order to make an informed decision about a Utah Chapter 13 bankruptcy, you need to understand the benefits and limitations of each of your options, including bankruptcy and non-bankruptcy options.
A Chapter 13 bankruptcy, also called a "personal reorganization," can stop property foreclosure, auto or other property repossession, and creditor harassment while you establish a personal reorganization plan that can provide you with a fresh financial start in three to five years, often at a fraction of the total amount you owe.
Whether a Chapter 13 bankruptcy is your best option depends on your situation, including the amount and nature of your debts and assets. Call me today to help you determine if a Utah Chapter 13 bankruptcy is right for you.