Blue Bee Bankruptcy Blog

Few phrases in bankruptcy sound more intimidating than adversary proceeding. Filers who hear the term often picture their fresh start collapsing into a courtroom battle. The reality is far less dramatic. An adversary proceeding is simply a lawsuit filed inside...

Somewhere in the middle of almost every Chapter 7 case, a piece of paper shows up that catches filers off guard. The car lender sends over a reaffirmation agreement and asks you to sign it. The form looks routine, and...

A payday loan or a title loan usually starts as a quick fix. The rent is due, the paycheck is a week away, and a storefront lender offers cash in minutes with no credit check. For many Utah families, that...

Filing for bankruptcy can feel like the end of your financial story, but far more often it is the beginning of a better one. The entire purpose of bankruptcy is to give honest people a genuine fresh start, and rebuilding...

Opening your door to a process server or finding a court summons in your mailbox can make your stomach drop. If a creditor or debt collector has sued you in Utah, you are not powerless and you are not out...

Few financial situations feel as frightening as a foreclosure notice arriving in your mailbox. A home is far more than an asset on a balance sheet. It is where your family sleeps, where your children grow up, and where you...

Few financial moments feel as powerless as opening your paycheck and finding that part of it is already gone. For many working people in Utah, wage garnishment shows up quietly. One pay period the deposit looks normal, and the next...

For most Utah families, a car is not a luxury. It is how you get to work, take your children to school, reach the doctor, and keep your life moving. When repossession feels imminent, or worse, when the lender has...

When people consider bankruptcy, one of the first fears that surfaces is losing everything. That fear is understandable, but it is not accurate. Utah law protects a meaningful amount of property when you file for bankruptcy, and knowing which exemptions...

Student Loans & Bankruptcy Many borrowers believe student loans can never be discharged in bankruptcy. That belief is worth examining closely. The rules are strict, but the door is not closed, and recent federal changes have opened it wider for...