Use Your Tax Refund Wisely!

It’s that time a year again when people start receiving their tax refunds. It’s also that time of year where debt collectors start harassing people who are having a hard time paying their bills.
Don’t waste your tax refund if you’re struggling with debt. If your tax refund is not enough to pay off your debt this year, then you need to find another solution.
Unfortunately, some people will take their tax refund and pay off one or two debts.
However, they still have more debts and the tax refund only provided a partial solution. Instead of wasting your tax refund, you should consider filing bankruptcy.
You can use your tax refund to pay for a Utah bankruptcy attorney who will solve your entire debt problem, instead of one or two debts. Most people’s tax refund is enough to pay the entire fees for a Chapter 7 bankruptcy as well as a Chapter 13 bankruptcy.

Make it a great new year by using your tax refund wisely to resolve your debt problem once and for all. Visit us HERE to learn more.

Use Your Tax Refund Wisely!

It’s that time a year again when people start receiving their tax refunds. It’s also that time of year where debt collectors start harassing people who are having a hard time paying their bills.
Don’t waste your tax refund if you’re struggling with debt. If your tax refund is not enough to pay off your debt this year, then you need to find another solution.
Unfortunately, some people will take their tax refund and pay off one or two debts.
However, they still have more debts and the tax refund only provided a partial solution. Instead of wasting your tax refund, you should consider filing bankruptcy.
You can use your tax refund to pay for a Utah bankruptcy attorney who will solve your entire debt problem, instead of one or two debts. Most people’s tax refund is enough to pay the entire fees for a Chapter 7 bankruptcy as well as a Chapter 13 bankruptcy.

Make it a great new year by using your tax refund wisely to resolve your debt problem once and for all. In Utah Call the Law Office of Douglas Barrett, LLC at 801-221-9911.

DO I NEED AN ATTORNEY TO FILE BANKRUPTCY IN UTAH?

In Utah corporations and partnerships must have an attorney to file a bankruptcy case. Individuals, however, may represent themselves in bankruptcy court. However, it is very important that a bankruptcy case be filed and handled correctly.  In Utah contact The Law Office of Douglas Barrett LLC for a FREE Bankruptcy consultation.

WHAT DOES ECF (or Electronic Case Filing) MEAN?

ECF is a comprehensive case management system that allows  courts to maintain electronic case files and offer electronic filing over the Internet. Courts make all case information immediately available electronically through the Internet. More information on Utah Bankruptcy can be found here.

IS THE BANKRUPTCY COURT A STATE OR FEDERAL COURT?

The U.S. Bankruptcy Court is part of the federal judiciary. Each of the 94 federal judicial districts handles bankruptcy matters, and in almost all districts, bankruptcy cases are filed in the bankruptcy court.  Bankruptcy cases cannot be filed in state court.
For more Utah bankruptcy information visit www.dlblaw.com .

CAN I ELIMINATE ALL OF MY DEBT THROUGH BANKRUPTCY?

The simple answer is no. For the most part, credit card debt is generally subject to discharge, but in some instances it may not be. For example, credit that was issued based on fraudulent information by the debtor will not be discharged. Other debt, such as child support, spousal maintenance, and outstanding taxes will likewise not be discharged. The only way to know about your personal situation is to discuss your case with a bankruptcy attorney. In Utah you can find a consumer bankruptcy attorney on the web at www.utahchapter13.com .

How Do I Get Personalized Bankruptcy Service?

I was recently asked this question by a lady who called my office.  She had been getting the run around from a Bankruptcy Mill.  These are places that try and do as many bankruptcy cases as they can to turn a profit – some of these places are not even lawyers they are paperwork prepares.

You Deserve Personalized Bankruptcy Service!

It is important to realize that filing Bankruptcy is a lot like a dating, if you do not choose the right person it is destined for failure. That is not to say that you won’t get your Bankruptcy discharge if you use a Bankruptcy Mill, but rather that the Bankruptcy Process will be a lot more stressful than it should be. If you work with a bankruptcy attorney that you trust and that you know is there with you every step of the way, the Bankruptcy Process is a lot less stressful! If you are filing for Bankruptcy, you already have enough stress in your life, why add to it? You deserve personalized service during this stressful time! You deserve a Bankruptcy Attorney who limits the number of clients taken on each month so that you can be provided with personalized service!

Schedule Your Free Personalized Bankruptcy Strategy Session Today!

If you are ready to file for Bankruptcy and want the personalized service that you deserve, contact me today for your FREE Bankruptcy Strategy Session, by calling me at (801) 221-9911. I limit the number of clients I take on each month so that I can give each of them the personalized service you deserve.

You Can You Declare Bankruptcy by Saying It in Public?

In an episode of The Office, when Michael Scott’s finances are tight, he screams, “I declare bankruptcy!” His accountant Oscar says, “Hey, I just want you to know that you can’t just say the word bankruptcy and expect anything to happen.” Michael replies, “I didn’t say it, I Declared It.” Of course, Oscar is right. Filing for bankruptcy requires preparing numerous documents, taking classes and paying a filing fee.  Sometime I wonder if congress purposefully created so many requirements just to limit the number of bankruptcies that are filed.  I know there are a lot of people who should file a bankruptcy but do not choose to do so because it seems overwhelming.  It does not need to be that way – a competent bankruptcy attorney can help you make the process doable and the right step for you.  In Utah visit us on the web at www.dlblaw.com

WHAT CAN I DO IF A CREDITOR ATTEMPTS TO COLLECT A DISCHARGED DEBT AFTER MY CASE IS CONCLUDED?

If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. The bankruptcy court will often do so to ensure that the discharge is not violated. The discharge constitutes a permanent statutory injunction prohibiting creditors from taking any action, including the filing of a lawsuit, designed to collect a discharged debt. A creditor can be sanctioned by the court for violating the discharge injunction. The normal sanction for violating the discharge injunction is civil contempt, which is often punishable by a fine. More information on Utah Bankruptcy can be found at www.dlblaw.com .

CAN A CREDITOR PREVENT A DISCHARGE?

Under limited circumstances, a creditor may be able to block a bankruptcy discharge of his debt. For example, if a creditor can prove that he gave a loan in reasonable reliance on a financial statement which was false in important details and given with the intent to deceive him, he may avoid having the debt discharged. If a creditor tries to avoid the discharge for this reason and fails, the bankruptcy judge may order the creditor to pay for the debtor’s attorney fees and costs in defending the action.
These are just examples of problems that may occasionally arise in a bankruptcy proceeding. They are among the many matters which you should discuss in detail with your attorney. Looking for a Utah bankruptcy lawyer?  Click HERE.