Blue Bee Bankruptcy Blog

If you are thinking about bankruptcy, you have probably asked the question almost every Utah filer asks first. How long will this stay on my credit report? Here is the direct answer. A Chapter 7 bankruptcy can appear on your...

Before you can file for Chapter 7 or Chapter 13 bankruptcy, federal law requires you to complete a credit counseling course. This is not optional, and skipping it or getting the timing wrong can mean your case is dismissed before...

The moment you file for bankruptcy, something powerful happens automatically, without a hearing, a judge's signature, or any extra paperwork on your part. Every collection call, every threatened repossession, every pending lawsuit against you stops, at least for the moment....

Debt does not stop at retirement age. Rising medical costs, credit card balances carried for years, or a fixed income that no longer stretches far enough can leave older Utahns facing the same financial pressure as anyone else, often with...

For most people considering bankruptcy, the first real question is simple. Do I qualify? The answer for Chapter 7 runs through a calculation called the means test, which compares your household income to the median income for a Utah household...

Most of what gets written about bankruptcy and housing focuses on homeowners and foreclosure. But if you rent your home, the questions feel just as urgent. Can bankruptcy stop an eviction? What happens to your lease? Will any landlord rent...

For many people considering bankruptcy, the hardest question is not about their own finances. It is about someone else. A parent who co-signed a car loan. A spouse whose name is on a credit card. A friend who guaranteed a...

Running a small business means carrying its debts personally in ways most owners feel every single day. When revenue dips and the loan payments, vendor invoices, and credit lines keep coming, the stress lands on your kitchen table, not just...

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...