Are You Struggling to Pay Your Debts? Call Utah Bankruptcy Attorney David M Cook
People in Salt Lake City and throughout the great state of Utah are finding it more and more difficult to meet their financial obligations. In fact, in the first quarter of 2013, there were 1,199 chapter 7s filed in Utah and 768 Chapter 13s filed. Both Chapter 7 and Chapter 13 Bankruptcy, are legal ways to keep your assets and eliminate or pay back a portion of your debts. In order to determine which Bankruptcy Chapter is best for your situation, you need to talk to an attorney who understands the intricacies of Bankruptcy Law and has successfully proven his ability to help people in financial distress.
An experienced bankruptcy attorney will clearly explain the benefits and risks involved in bankruptcy and guide you to make the best decisions for your unique situation. Some will try to tell you that you don’t need an attorney to guide you through this process. One person who used a petition preparer to file her case as a Chapter 7 just about lost her home to a Chapter 7 Trustee because the client did not have the advice of an attorney. I was able to prevent the loss of her home.
Are You Confronted with Foreclosure, Garnishment or Repossession?
According to RealtyTrac Year-End 2012 US Foreclosure Market Report, Utah was barely able to stay out of the top 10 states with the highest foreclosures, ranking 13th nationwide. And although in 2012 foreclosures were down from 2011, any foreclosure represents more than just a number on a report. It is a great loss to the men and women who worked hard to purchase and try to keep their home. With the rapid climb in home prices in the past decade, came 2nd and 3rd mortgages to make home buying possible. But when the housing bubble burst in 2008, those mortgages became burdensome and impossible to pay back. Through Chapter 13 Bankruptcy it is possible to maintain the home you’ve worked so hard to own. You can stop a foreclosure and eliminate additional mortgages and judgment liens under the right circumstances and keep your property.
One benefit of a properly filed bankruptcy is an end to the harassment from creditors. Once filed, they will not be able to call, sue, repossess, foreclose or take any action against you without the permission of the Bankruptcy Court.
A Bankruptcy Lawyer With Experience Filing 1000’s of Bankruptcies and Freeing 1000’s of Utahns From the Burden of Debt
With over 20 years of experience I have helped thousands of good people, faced with terrible financial situations, work through the debt nightmare and get their lives back. Because I have successfully represented people in so many varying cases, I can assess your unique situation and quickly help form a plan that will get you back on track. Every day I meet with wonderful salt-of-the-earth people – those who are down on their luck – those who have experienced serious medical problems without having insurance – those who have lost employment – those who were about to lose their home, those being garnished, and those who were about to have a vehicle repossessed.
By working together in an honest and open way, we have been able to reach a solution to their financial difficulties. Sometimes a bankruptcy is NOT the right option. I am not afraid to turn away business when I honestly believe you can otherwise get out of debt quickly through debt negotiation. I am just as happy to help someone avoid bankruptcy, but I can help you to determine when bankruptcy is truly the best option for you.
Areas where we represent bankruptcy clients:
If you need to file for bankruptcy relief and live in one of the following areas, please contact me.
Salt Lake City
The Bankruptcy Court for the District of Utah is located in Salt Lake City at 350 South Main Street in the Frank E Moss Federal Court House. This is where we will be doing a significant amount of work on your behalf. If you live in the Salt Lake City Metro Area and are in financial trouble, I invite you to call me now for your free consultation and let’s get started clearing your debt burden. A Utah lawyer with deep experience is a tremendous asset to have in your corner.
In Ogden and the surrounding area I have represented many clients who have found themselves in financial trouble and realized that hiring a veteran, experienced bankruptcy attorney was the route to financial stability. The Federal Bankruptcy Court has no branch or hearings or staff in Ogden. All Court Hearings and bankruptcy filings are made in Salt Lake City. However, the Meetings of Creditors are held at the Federal Building located at 324 25th Street in Ogden. I will handle the process for you completely. If you live in Ogden, or elsewhere in Weber County and are ready to step onto the path to financial freedom please call me now to get started.
Provo, Orem and Utah Valley
As you well know recent economic conditions have not left the Utah Valley area untouched. Many of my clients are in the Valley and I have helped them obtain the financial goals they were looking for as they worked to remove their debt burden.
Tooele has definitely been hard hit with the recent recession and economic downturn. I’ve been able to help many in the Tooele area regain their financial freedom and avoid the loss of substantial assets.
I represent clients in Davis County regularly and have helped them to get back on their feet. If you live in Davis County you will not find an attorney more willing and able to represent you as you pursue the path to financial freedom. Please call me and let’s get started.
I look forward to hearing from you and having the opportunity to show you why I would be the right lawyer to represent you as you file bankruptcy.