Blue Bee Chapter 13 Bankruptcy Law Firm
Utah Chapter 13 Bankruptcy Lawyers with more than 60 years of combined expertise in helping people eliminating debt & rebuilding good credit.
Our expert lawyers will protect your rights in a bankruptcy!
We don’t just eliminate your debt! We break the cycle of bad credit by rebuilding your credit after bankruptcy.
Earned the highest peer and client ratings with Martindale-Hubbell (a.k.a Lawyers.com)
Top-notch peer and client ratings on Justia
Rated in the top 5% of all lawyers by Thompson-Reuter’s Super Lawyers.
5-Star average on Google with more than 50 reviews.
5-Star average with more than 80 reviews on Avvo.com
“Top Pro” on Thumbtack.
Chapter 13 Bankruptcy Lawyer in Utah
Should I file bankruptcy?
You should file bankruptcy if you cannot create a realistic plan for paying off debt in a reasonable period.
Bankruptcy allows you to eliminate or restructure debt so that income can match expenses and debt payments.
File Chapter 13 Bankruptcy with Utah’s Top Attorneys
If you are an individual overwhelmed with debt, Chapter 13 bankruptcy may provide you the best path to a brighter financial future.
Chapter 13 is designed for individuals with “regular income” who need time to catch up on certain financial obligations and need to eliminate or reduce other types.
Chapter 13 is a process that will help you reorganize your finances by:
(a) catching up payments on your home or modifying your mortgage,
(b) restructuring payments on cars, and
(c) reducing or eliminating many other types of debts.
In Chapter 13, you can also pay off or even eliminate taxes, bring child support payments current, reduce balances on secured debts, and eliminate credit card and medical debt.
Our experienced Chapter 13 lawyers, who have helped hundreds of people in circumstances just like yours, will guide you through this complicated process.
What Chapter 13 Can Do for You
At the moment you file Chapter 13, creditor collection activity ceases and will continue to cease throughout the course of your bankruptcy.
While creditors may ask a court to continue collection activity during bankruptcy, these requests are rarely granted, and we will aggressively oppose any such request.
A Chapter 13 Plan of Reorganization allows enables you and your attorney to craft creative solutions to paying—or in some cases eliminating—your debts in a time and way that is realistic to your specific situation.
Attorneys at Blue Bee Bankruptcy have filed at least 1,000 Chapter 13 Plans over the last 25 years.
We have successfully navigated the full the spectrum of issues arising in Chapter 13.
We offer seasoned expertise for any unique issue you may be facing and will use our creative problem-solving and innovative solutions to design a plan which meets your specific financial circumstances.
Why Choose Chapter 13?
The process of filing a Chapter 13 bankruptcy works to repay your entire debt or parts of it instead of liquidating your assets. The great news is that, unlike Chapter 7 bankruptcy, you keep 100% control of your assets in Chapter 13.
For example, let’s say you own a classic car you restored, and it’s worth $16,000.
A Chapter 7 trustee would take your car and sell it to pay your creditors.
In Chapter 13, you will keep your vehicle if you commit to repay at least 75% of the car’s value to your unsecured creditors over five years.
If you have at least $5,000 in “non-exempt assets” (See our section on non-exempt assets here), Chapter 13 is most likely the best bankruptcy vehicle in your journey to financial peace.
What Can I Expect?
Chapter 13 permits you to keep your home – stop a foreclosure, even if it is subject to a heavy mortgage.
Your Chapter 13 plan will enable you to catch up on missed mortgage payments, and possibly even reduce those payments by modifying the terms of your mortgage.
See our section on loan modifications here.
Chapter 13 bankruptcy is not always the best option. You may also consider filing Chapter 7 bankruptcy, and it may be that bankruptcy is not the appropriate vehicle for you at this time.
When you meet with our legal team, we conduct a thorough consultation, where we explore the pros and cons of each chapter to determine your best course of action.
If a Chapter 13 is right for your situation, our experienced Chapter 13 bankruptcy lawyers can help you file as soon as possible.
Preparing for Your Chapter 13 Consultation
Our team will tell you exactly what documents and information you need to bring to your free consultation.
Listed below for your convenience are the items typically required. We also offer flexible payment options so you can get started quickly.
Chapter 13 Steps
Step 1 ~ Credit Counseling
A debtor must complete credit counseling before filing bankruptcy.
Our Chapter 13 bankruptcy lawyers will get you set up to take this course online in the privacy of your home or our office.
It takes under an hour to complete, and there is very little you must do but listen.
Step 2 ~ Preparation of Your Bankruptcy Documents
Using credit reports and the information you provide, Blue Bee Bankruptcy Law will build your petition and schedules for filing your case.
We will also prepare your Plan of Reorganization, which proposes how you intend to pay your various “classes” of creditors. Your plan will usually be between three and five years (36 to 60 months) long.
However, in certain circumstances, we can help complete your plan in months rather than years.
Step 3 ~ Filing Your Case
Before we file your case, we review all your paperwork with you.
In an emergency, our Chapter 13 bankruptcy lawyers can file a “skeleton” bankruptcy petition the same day as your consultation to immediately trigger the protection of the “automatic stay.”
Step 4 ~ Begin Making Plan Payments
You must begin to make payments to the Chapter 13 trustee, per your proposed Plan of Reorganization, about 30 days after the filing date.
These payments will be distributed to your creditors, as you have instructed in your plan. If you get behind in your payments, the trustee will ask the judge to dismiss your case.
Before the trustee can distribute your payments, your plan must be “confirmed.” See Step 6.
Step 5 ~ 341 Meeting of Creditors
Your 341 Meeting of Creditors takes place about five weeks after filing your case and takes about 5 minutes to complete. Your attendance is mandatory, and your Blue Bee lawyers will be there with you.
At the meeting, the Chapter 13 trustee will review your petition and schedules and ask any questions about the things you have filed in your case.
Step 6 ~ Confirmation Hearing
About 60 days after the 341 Meeting of Creditors, the judge will review your Plan of Reorganization at the Confirmation Hearing.
You will NOT be required to attend, as Blue Bee Law attorneys will attend on your behalf.
The Confirmation Hearing is often continued, or postponed, to another date 90 days later.
The later date allows all creditors enough time to file their Proof of Claim in your case and allows you an opportunity to object to any creditor claims you find to be erroneous.
When the judge “confirms” your Plan of Reorganization, the plan becomes “the law of the case,” meaning that the plan binds you and all of your creditors.
Once the judge signs the order, the trustee makes distributions to your creditors, as instructed by the plan.
Ideally, nothing more happens in your case other than you must make all monthly payments. Each month, the trustee pays those payments until you complete the plan.
Step 7 ~ Credit Rebuilding
Blue Bee Bankruptcy is unique in that we help you rebuild your credit while you are in your Chapter 13. This process can start as soon as your plan is confirmed.
By following a proven strategy, our clients find that they often have gained a great credit score in a year or two, even while their Chapter 13 case is ongoing.
We even know of debtors who have purchased a new home while still in Chapter 13!
Step 8 ~ Discharge
Rarely are unsecured debts (credit cards, medical bills, and the like) paid in full over the life of a plan.
Once you have made all of your plan payments, any other balances owed to your unsecured creditors are discharged, or eliminated.
The Discharge signifies the end of the case, and the case will close shortly after Discharge. CONGRATULATIONS! YOUR FINANCIAL LIFE IS FIXED!
Prepare to Provide
- Last three years of tax returns—we can order a 3-year tax transcript directly from the IRS
- Seven months of bank statements
- Your social security card—we can help you obtain a replacement, if necessary
- Your driver’s license
- Any missing creditors—we will order your tri-merged credit report and ask you to provide missing information
Questions or Concerns?
Before your consultation, visit our FAQ page to learn more about filing bankruptcy Chapter 13.
DISCLAIMER – This overview is not an exhaustive review of the law in Utah. Do not regard nor rely upon this as legal opinion applicable to all issues. Each case is different and requires individual advice. If you have questions or concerns, please contact us to schedule a consultation with our bankruptcy lawyers by calling (801)-285-0980 or by completing our online form.
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