Salt Lake City Bankruptcy Attorney

Salt Lake City Bankruptcy Attorney

This boutique office is small so they do not have to pass a huge overhead on to their clients like some law offices.  The firm (for now) is just two people, bankruptcy attorney, Linda D. Smith and her Paralegal, Lashelle Manriquez.  But don’t confuse small and inexperience.  These two ladies have worked together as a team for almost 20 years. They are both knowledgeable and compassionate professionals, who are strong advocates for their clients. They pride themselves with being approachable, responsive, and supportive of their clients in difficult, sensitive situations.

The firm understands that most people fight against filing for bankruptcy and in the process they can lose precious time & money.  Sadly before clients come into the office they have often already drained their savings, taken out their retirement funds early,  have still lost their car(s) and/or home and are borrowing from parents & friends to make minimum payments on everything.  They do all this for months, sometimes years, and finally figure out that the whole effort was a big waste of time and energy and only provided a temporary “bandaid” to the situation.   In the end all of their efforts did not have much of an impact on their overall financial situation so the money was essentially “tossed down the drain”.

This is also true about clients who think that credit repair is a better choice over bankruptcy.  What they do not know is that their credit repair attempt will more than likely fail and they will still be faced with filing bankruptcy.

Life is too short to be ruined by pressure and struggles with debt! Call us NOW – our bankruptcy attorney will talk with you and PROVIDE OPTIONS in a no-pressure environment.  We will help you find a PERMANENT SOLUTION to what seems like an impossible situation.

Free Consultations! If you are interested in speaking to bankruptcy attorney Linda Smith please call us for a FREE, confidential consultation at (801) 485-3717.

Benefit One to Using Our Services

Law provides a rich source of scholarly inquiry into legal history, philosophy, economic analysis and sociology. Law also raises important and complex issues concerning equality, fairness.

Benefit Two No Upfront Costs

The history of law links closely to the development of civilization. Ancient Egyptian law, dating as far back as 3000 BC, contained a civil code that was probably broken into twelve books.

Benefit Three

Roman law was heavily influenced by Greek philosophy, but its detailed rules were developed by professional jurists and were highly sophisticated.Over the centuries between the rise and decline.

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The glory of justice

Justice is the legal or philosophical theory by which fairness is administered. The concept of justice differs in every culture. An early theory of justice was set out by the Ancient Greek philosopher Plato in his work The Republic. Advocates of divine command theory argue that justice issues from God. In the 17th century, theorists like John Locke argued for the theory of natural law.Thinkers in the social contract tradition argued that justice is derived from the mutual agreement of everyone concerned. In the 19th century, utilitarian thinkers including John...

How Does Bankruptcy Work?

How Bankruptcy Works

bankruptcy

If you are considering filing bankruptcy just know that the ultimate goal in filing  a personal bankruptcy is getting a fresh start. A discharge can be achieved more quickly through a discharge in a Chapter 7.  However, if you have to receive your discharge through a Chapter 13 which is basically a repayment plan.  The payment you make will depend on a number of factors we can talk about at our meeting. A Chapter 13 plan last from between 36 to 60 months.  Whichever Chapter to are able to file  the end result is still the same, the forgiveness of your unsecured debt.

When you receive your discharge your unsecured debt will be forgiven, but you should be aware that any valid lien will remain in full force unless it is proven to be unenforceable.  That means if you have secured debt you must make a decision about how you want to handle that debt.  For example, your home or your car and oftentimes furniture and jewelry have loans on them.  If that is the case those debts have to be paid for in full (oftentimes with interest) regardless of which chapter you file.  Any secured creditor can object to your discharge and move to enforce its lien and recover the property if you fail to make timely payments. They may recover the property, however they cannot recover any deficiency left after they sell the property, as long as you receive your discharge.

Utah Bankruptcy Law Advocates (Who We Are)

Utah Bankruptcy Law Advocates is a Utah Bankruptcy Firm. We represent clients who seek bankruptcy advice and look to discharge debt through Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Bankruptcy law can be somewhat complicated but we have the answers you need to get through the process painlessly and more important successfully.

A quick checklist about how the process works is:

  • We will have to have gather your pay stubs (6 months) and some tax returns (last two years).
  • We want to make sure you have a driver’s license (or other picture ID).
  • We also make sure you have a Social Security Card or original W2 (because if not you will want to order a new one).
  • You will have to take two credit courses, one before you file and one after you file.
  • You need to provide information about all of your assets, liabilities, income & expenses.
  • We prepare your petition, statements and schedules and file them with the court.
  • Once your petition is filed  the “automatic stay” takes effect and any collection efforts cease immediately.
  • With either a Chapter 7 or Chapter 13 you will be attending a meeting of creditors called the 341 hearing.  But not to worry we are with you every step of the way.

Contact Us Today

Contact Us now and our experienced Bankruptcy Attorney can help you today. We will guide you personally through an otherwise difficult process, as conveniently and compassionately as possible. If you already have a judgment, garnishment or pending foreclosure we can file your case within hours if necessary so do not let one more garnishment come out of your paycheck.  Call today 801-485-3717

Family Estate Planning

One of the most important areas of practice for us is our Family Estate Planning for young families.

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Bankruptcy Law

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Contact Us Today!

Contact Us

 

Law Office of Linda D. Smith & Associates

4543 So. 700 E., Suite 100

Millcreek, Utah  84107

email:  ldspclaw@gmail.com

www.filenowpaylater.com

 

 

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Frequently Asked Questions

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What should I do before I go to court?

If you have an attorney before your arraignment date, talk with your attorney in advance. The more your attorney understands about your case, the more he/she can help you.Generally speaking, you should plan on staying at least three hours for your arraignment and in crowded courts you may be

What are my rights?

Anyone charged with a crime has certain legal rights. You have the right to remain silent when questioned. You do not have to say anything about the facts of your case. If you do, your statements can be used against you in a court of law including during your trial. You have the right to the presence of

How do I file a complaint against my lawyer?

In most countries, particularly civil law countries, there has been a tradition of giving many legal tasks to a variety of civil law notaries, clerks, and scriveners.These countries do not have “lawyers” in the American sense,

Who makes the decisions about my case?

In a criminal case you decide whether to: go to trial or plead guilty, have jury trial or a bench trial, testify or maintain your right to be silent. In a civil case your lawyer should consult with you before making any settlement decision.

What if I cannot afford a lawyer?

If you are involved in a criminal case, in most circumstances you may have a lawyer appointed to you if the court decides you cannot afford a lawyer. You might also have the right to a court-appointed lawyer in some civil cases

How will I pay my lawyer?

In English law, a costs lawyer is a legal professional concerned with legal costs who has attained rights of audience and rights to conduct costs litigation.

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