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salt lake city chapter 7 lawyers

As Utah Bankruptcy Attorneys at Ascent Law, we help debtors with filing Chapter 7 bankruptcy in Utah.  A Chapter 7 bankruptcy Utah lawyer helps individuals and families through a process commonly referred to as “liquidation” because the federal bankruptcy court discharges most unsecured consumer debts such as medical bills and credit cards balances. Filing Chapter 7 bankruptcy in Utah allows debtors to eliminate unsecured debt such as medical debt, credit cards, personal loans, and utility bills.

Is Filing Chapter 7 Bankruptcy in Utah Right for Me?

Consumers with a lot of unsecured debt and limited income may be a good candidate for filing Chapter 7 bankruptcy in Utah.  Utah bankruptcy lawyers cannot file Chapter 7 bankruptcy for all consumers because the consumers must pass the means test which is a formula established under federal bankruptcy law. The means test is comprised of two parts: first, the bankruptcy trustee compares the individual’s income and determines whether that income falls below the median income in the state; second, the trustee compares individual’s unsecured debt to the disposable income.  Those individuals burdened with debt but fail to qualify under Chapter 7 often ask about filing Chapter 7 bankruptcy in Utah.  A Chapter 13 bankruptcy Utah lawyer can help you assess whether filing Chapter 13 bankruptcy in Utah is right for you.

Is All Debt Dischargeable with Chapter 7 Bankruptcy?

Not all unsecured debts are dischargeable, including recently incurred income taxes, child support obligations, and student loans.  Secured debts, such as auto loans and mortgage loans, have to be reaffirmed by the bankruptcy petitioner who then must continue making the loan payments or else the petitioner must surrender the property to the lender.

An experienced Chapter 7 bankruptcy Utah lawyer can help you know whether you can keeps all of your property or whether the court trustee may find that the property has substantial equity in the property that exceeds Utah law.  For instance, Utah law allows the petitioner to have $2,500 in equity in an automobile and $40,000 in a primary residence if married.

In Utah, the median income increases based on the number of persons in the family. *

Single-Earner 2-Person 3-Person 4-Person
$50,568 $56,932 $61,905 $69,99

*Note, these numbers change regularly based on Utah median household income.

Immediately following a filing Chapter 7 bankruptcy in Utah, the Federal Bankruptcy Code implements an automatic stay, which prohibits all creditor collection activities, including garnishments and telephone collection calls.

Approximately 30 days following the bankruptcy filing, a Creditors 341A Hearing is held, as required by Section 341 of the United States Bankruptcy Code.  Creditors typically do not show up.  At this creditors hearing, the Utah Chapter 7 bankruptcy trustee asks the bankruptcy petitioners to confirm the truth of his or her statements and may ask additional questions about the petitioner’s income and assets. The trustee has the responsibility of liquidating assets in an attempt to pay back the creditors.  Around 90 days following the creditors’ 341A hearing, the petitioner will receive the official order of discharge.

Is It Expensive to Filing Chapter 7 Bankruptcy in Utah

There are two costs involved with filing a Utah Chapter 7 bankruptcy, the Utah federal court costs of $306 and the attorney fees.  The Utah bankruptcy attorneys’ fees are negotiable, and are based in part on the complexity of the Chapter 7. Typical Utah bankruptcy attorney fees range from $1200 to $2,000.

Free Consultation with a Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Michael R. Anderson, JD

Ascent Law LLC
8833 S. Redwood Road, Suite C
West Jordan, Utah
84088 United States

Telephone: (801) 676-5506

Ascent Law LLC St. George Utah Office

Ascent Law LLC Ogden Utah Office

Salt Lake City


From Wikipedia, the free encyclopedia
(Redirected from Salt Lake City, USA)
This article is about the capital of Utah. For other uses, see Salt Lake City (disambiguation).
Salt Lake City, Utah
City of Salt Lake City[1]
Clockwise from top: The skyline in July 2011, Utah State Capitol, TRAX, Union Pacific Depot, the Block U, the City-County Building, and the Salt Lake Temple

Clockwise from top: The skyline in July 2011, Utah State CapitolTRAXUnion Pacific Depot, the Block U, the City-County Building, and the Salt Lake Temple

“The Crossroads of the West”

Interactive map of Salt Lake City
Coordinates: 40°45′39″N 111°53′28″WCoordinates40°45′39″N 111°53′28″W
Country United States United States
State Utah
County Salt Lake
Platted 1857; 165 years ago[2]
Named for Great Salt Lake

 • Type Strong Mayor–council
 • Mayor Erin Mendenhall (D)

 • City 110.81 sq mi (286.99 km2)
 • Land 110.34 sq mi (285.77 km2)
 • Water 0.47 sq mi (1.22 km2)

4,327 ft (1,288 m)

 • City 199,723
 • Rank 122nd in the United States
1st in Utah
 • Density 1,797.52/sq mi (701.84/km2)
 • Urban

1,021,243 (US: 42nd)
 • Metro

1,257,936 (US: 47th)
 • CSA

2,606,548 (US: 22nd)
Demonym Salt Laker[5]
Time zone UTC−7 (Mountain)
 • Summer (DST) UTC−6
ZIP Codes

ZIP Codes[6]
Area codes 801, 385
FIPS code 49-67000[7]
GNIS feature ID 1454997[8]
Major airport Salt Lake City International Airport
Website Salt Lake City Government

Salt Lake City (often shortened to Salt Lake and abbreviated as SLC) is the capital and most populous city of Utah, as well as the seat of Salt Lake County, the most populous county in Utah. With a population of 199,723 in 2020,[10] the city is the core of the Salt Lake City metropolitan area, which had a population of 1,257,936 at the 2020 census. Salt Lake City is further situated within a larger metropolis known as the Salt Lake City–Ogden–Provo Combined Statistical Area, a corridor of contiguous urban and suburban development stretched along a 120-mile (190 km) segment of the Wasatch Front, comprising a population of 2,606,548 (as of 2018 estimates),[11] making it the 22nd largest in the nation. It is also the central core of the larger of only two major urban areas located within the Great Basin (the other being Reno, Nevada).

Salt Lake City was founded July 24, 1847, by early pioneer settlers, led by Brigham Young, who were seeking to escape persecution they had experienced while living farther east. The Mormon pioneers, as they would come to be known, entered a semi-arid valley and immediately began planning and building an extensive irrigation network which could feed the population and foster future growth. Salt Lake City’s street grid system is based on a standard compass grid plan, with the southeast corner of Temple Square (the area containing the Salt Lake Temple in downtown Salt Lake City) serving as the origin of the Salt Lake meridian. Owing to its proximity to the Great Salt Lake, the city was originally named Great Salt Lake City. In 1868, the word “Great” was dropped from the city’s name.[12]

Immigration of international members of The Church of Jesus Christ of Latter-day Saintsmining booms, and the construction of the first transcontinental railroad initially brought economic growth, and the city was nicknamed “The Crossroads of the West”. It was traversed by the Lincoln Highway, the first transcontinental highway, in 1913. Two major cross-country freeways, I-15 and I-80, now intersect in the city. The city also has a belt route, I-215.

Salt Lake City has developed a strong tourist industry based primarily on skiing and outdoor recreation. It hosted the 2002 Winter Olympics. It is known for its politically progressive and diverse culture, which stands at contrast with the rest of the state’s conservative leanings.[13] It is home to a significant LGBT community and hosts the annual Utah Pride Festival.[14] It is the industrial banking center of the United States.[15] Salt Lake City and the surrounding area are also the location of several institutions of higher education including the state’s flagship research school, the University of Utah. Sustained drought in Utah has more recently strained Salt Lake City’s water security and caused the Great Salt Lake level drop to record low levels,[16][17] and impacting the state’s economy, of which the Wasatch Front area anchored by Salt Lake City constitutes 80%.[18]

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