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Chapter 7 Bankruptcy in Salt Lake City

Let Us Help You Find Debt Forgiveness

Unlike Chapter 13 bankruptcy, Chapter 7 bankruptcy is designed to help liberate you from debt by eliminating much of what you owe. When an individual successfully files for Chapter 7 bankruptcy, all of their unsecured debt is wiped away and eligible assets are liquidated to help defray the costs.

Looking at your options for bankruptcy doesn't have to be overwhelming. Our Salt Lake City bankruptcy lawyers help you by:

  • Helping you determine if bankruptcy is the right option for you and, if so, which type of bankruptcy would best serve your needs
  • Helping you fill out and submit all paperwork efficiently and accurately
  • Providing skilled, emphatic representation in and out of the courtroom

What is a Means Test?

To determine whether you are eligible to file for Chapter 7 bankruptcy, the court will administer a means test in the Chapter 7 bankruptcy application process. If you make too much money, you may be better served by turning to Chapter 13 bankruptcy to help restructure your debts into more manageable payments.

The first step of the means test is quite straightforward: if your monthly income is currently below the median income of a household of your size in your state, you are free to file. If not, however, a more complex formula will be used to get an idea of your disposable income and determine if your debts could be addressed with that income.

Call Collins Rupp, P.C. Today

It is important to keep in mind that if you do pass the means test, you do not automatically qualify for Chapter 7 bankruptcy. Likewise, if you do not pass the means test, you are not out of options. Our Salt Lake City bankruptcy attorneys are committed to working with people just like you and helping you come out on top of your financial distress.

Call our offices today at (385) 777-1066 to schedule a consultation with a member of our team. We are prepared to work diligently on your behalf to help you get the relief you need.

Defense You Can Count On

  • Thorough Preparation

    We perform a free eligibility assessment of your record and do an extensive investigation of your case.

  • Comprehensive Guidance

    When you work with Collins Rupp, P.C., our lead attorneys see all cases through from beginning to end.

  • Reasonable Pricing

    We charge clients a low flat fee and even allow low money down
    payment plans.

  • 24/7 Availability

    Our clients are always able to get ahold of us and receive our cell phone numbers to reach us day or night.