Bankruptcy Lawyer Hinckley UT

bankruptcy attorney Hinckley Utah

Can Filing For Bankruptcy Help You Get a Fresh Start Financially?

Whether you’ve recently lost your job, had a major medical emergency, or run up too many bills, filing for bankruptcy may be the solution you need. Although it may seem like a daunting task, there are many advantages to filing for bankruptcy. In addition to the financial benefits, bankruptcy can also give you a fresh start.


Filing for bankruptcy will not eliminate all of your debts. Some debts, such as credit cards, will remain on your credit report. However, there are certain types of debt that are completely eliminated in bankruptcy. These debts include student loans, child support, tax obligations, and alimony.

The bankruptcy law is designed to give you the best possible start, but it’s important to keep in mind that you are still responsible for your debts. You’ll have to pay the bills and you’ll have to make sure your accounts are up-to-date. While bankruptcy can give you a fresh start, it doesn’t do much for your credit history.

Chapter 7 and Chapter 13

When it comes to choosing between Chapter 7 and Chapter 13, you will have to take into consideration your goals. Chapter 7 is usually best for people who have a moderate to low income. The benefits of Chapter 7 include a clean slate and the ability to rebuild your credit. On the other hand, Chapter 13 bankruptcy is designed for people with regular incomes who have a good chance of making their payments. It also gives you the opportunity to repay your debt over three to five years.

Negotiating with creditors

In addition to the debt that’s wiped away, bankruptcy can also help you reduce the interest you pay. You may be able to negotiate with your creditors to lower your fees, interest rates, and penalties. Additionally, you can find companies willing to lend you money in bankruptcy. Depending on your situation, you may even be able to obtain a secured credit card once you’ve been discharged from bankruptcy.

Automatic stay

The bankruptcy law also allows you to discharge a number of other debts. One of these is the “automatic stay” which stops most creditor calls. While it’s not a permanent solution, this will help you stop wage garnishments, and it can also stop repossessions.

Home equity loan and Second mortgage

When it comes to the best possible outcome, you’ll have to decide whether you can afford to pay your debts off over a period of time. If you can’t afford it, it’s a good idea to look into getting a home equity loan or second mortgage. You can also ask friends and family for a loan. A friend may be willing to lend you funds at a reasonable rate, or you may be able to find a lender who will agree to lend you money on a predetermined schedule.

If you need legal advice about filing for bankruptcy or are in need of an attorney you can call this law firm, you can get a free consultation with the Best Attorneys in Utah.

Ascent Law LLC:
8833 South Redwood RoadSuite C
West Jordan, UT 84088
(801) 676-5506
Ascent Law – Google Maps
Ascent Law Website
Bankruptcy Overview

Disclaimer: This is not legal advice and is simply an answer to a question and that if legal advice is sought to contact a licensed attorney in the appropriate jurisdiction.


When you need a Bankruptcy Lawyer, contact this law firm:

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

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Hinckley, Utah

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Hinckley, Utah
Location in Millard County and the state of Utah.

Location in Millard County and the state of Utah.
Coordinates: 39°19′42″N 112°40′20″WCoordinates39°19′42″N 112°40′20″W
Country United States
State Utah
County Millard
Named for Ira Hinckley

 • Total 4.99 sq mi (12.92 km2)
 • Land 4.99 sq mi (12.92 km2)
 • Water 0.00 sq mi (0.00 km2)

4,603 ft (1,403 m)

 • Total 696
 • Estimate 

 • Density 143.49/sq mi (55.40/km2)
Time zone UTC-7 (Mountain (MST))
 • Summer (DST) UTC-6 (MDT)
ZIP code
Area code 435
FIPS code 49-35740[4]
GNIS feature ID 1428726[2]

Hinckley is a town in Millard CountyUtah, United States, in the middle of the Sevier Desert. Irrigation water from the Sevier River, passing nearby, has been used to turn Hinckley into a farming oasis. The mountains that are common in Utah are seen only in the distance, and beyond the reach of the river, a severe desert prevails. The population was 696 at the 2010 census.

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