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Lawyer having consultation with client

Are you considering filing for bankruptcy? It may seem counterintuitive to hire an attorney to help you with this, because you’re already in financial trouble and probably want to prioritize saving money. However, bankruptcy lawyers can be valuable allies who actually save you money, time, and hassle. Here’s a look at how Utah bankruptcy lawyers help their clients.

  • A bankruptcy attorney can advise you of your options. Which kind of bankruptcy should you file? The most common types of bankruptcy for consumers are Chapter 7 and Chapter 13; you’ll need to understand both to know which one fits your situation best. Chapter 7 lets you eliminate many types of unsecured debt quickly, but it requires that you liquidate your assets. When you file a Chapter 13 bankruptcy, on the other hand, you can reorganize your assets and consolidate your payments, thereby avoiding fees and fines. In this kind of bankruptcy, you’ll repay some or all of your debt and get to keep most of your assets. You can also pay some or all of your attorney fees through the repayment plan. It’s different from a debt consolidation or other repayment plan because it’s done under the supervision of bankruptcy court judges. Having a bankruptcy attorney helping you weigh your options can not only make it easier to make the right choice but can also help make sure you comply with all the necessary requirements that go along with your bankruptcy.
  • Having a bankruptcy lawyer can help protect your property. Because you don’t have the expertise of an attorney, you may not be aware of all that you are entitled to keep. Your attorney can help make sure you don’t lose your exempt property, and that your tax refunds and other monies are handled properly, because lawyers have experience with bankruptcy trustees and all the legalities of bankruptcy. An experienced attorney can also help you deal with debts and creditors in a way that restores your credit as quickly as possible.
  • Your attorney can help you deal with family situations as well as creditors. Bankruptcy can be more complex if you’re going through a divorce or another complicated familial situation. A knowledgeable attorney can find ways to minimize the impact of bankruptcy on your family, protecting your children and inheritances.

Don’t go through bankruptcy without a bankruptcy attorney in your corner. Richards & Richards Law Firm, LLC is a full service law firm in Ogden, Utah, dedicated to easing your stress, protecting your rights, and getting you what you deserve. Our family-owned firm offers top-notch legal advice and provides the highest-quality professional legal services at an affordable price. No matter what legal services you need, we can help. We have more than 30 years of legal experience on our side, and we’re committed to focusing our full attention on the needs of each individual client, in order to achieve the best possible results for each case. Call us today at (512) 461-4836 or contact us through our website to schedule a free legal consultation with our friendly, experience, family law lawyers.