How To File Bankruptcy

Bankruptcy is a Federal Law, but each court has its own local rules also. Find out what you need to know to get started.

How To File for for Chapter 7 or Chapter 13 Bankruptcy in Piute County, UT:

Steps for filing bankruptcy in Utah, from learning whether you qualify, to completing and filing bankruptcy forms, to discharging your debts and getting on with your life.

How Much Does It Cost to File for Bankruptcy in Utah?

Tips for keeping bankruptcy costs down, from court filing fees to mandatory counseling costs to getting legal help.

Where Do I File for Bankruptcy in Piute County, UT?

Most people file for bankruptcy in the federal district court closest to where they've lived for the past six months.

Do I have to get credit counseling before I file for bankruptcy?

Yes. You must complete a credit counseling course before you file your bankruptcy petition. Fortunately, it's easy and can be done online. And your case cannot be completed (i.e. you can't get your "discharge order" from the judge until you take a "Debtor Education" course.

What is a 341 hearing (creditors meeting)?

Everyone who files for bankruptcy must attend a 341 hearing, which is also called a "creditors meeting." The meeting is conducted by the bankruptcy trustee assigned to your case. During the Coronavirus, it. can be done by phone.

Do I need a lawyer to file for bankruptcy?

The law does not require to have a lawyer, and if your case is simple and you have few assets, you can successfully file a Chapter 7 bankruptcy yourself. Chapter 13? Not so much. And if you have property to lose, or you're not great with details, getting a lawyers help can be a good idea, no matter what kind of bankruptcy you're filing. Also a lawyer may find ways to help that you haven't' thought of

Where do I file for bankruptcy in Piute County, UT?

Bankruptcy is federal law and you file in the local Federal District Bankruptcy Court. Find out yours.

Working With the Bankruptcy Trustee

Filing for Chapter 7 bankruptcy means that you'll be dealing with a "bankruptcy trustee" who will be assigned to handle your case. The trustee's job is to gather all non-exempt property you own into the "bankruptcy estate" to determine what (if anything) can be sold and the proceeds distributed to your unsecured creditors. In most cases, there's nothing left — "no-asset" cases make up more than 90% of consumer chapter 7 cases — but the trustee will be looking.

Getting help from your local court to file bankruptcy without an attorney

You may be surprised to learn that every federal bankruptcy court has a special section just for people filing bankruptcy without an attorney. Learn how to use this information if you are thinking about filing for bankruptcy.