How Long Will Bankruptcy Stay on My Credit Report Bankruptcy Lawyer explains 801-676-7308 Utah Ch 7 Ch 13

You’ve probably been wondering, How Long Will Bankruptcy Stay on My Credit Report?  If I file a chapter 7 bankruptcy case, how bad will my credit be damaged?  What if I file a chapter 13 bankruptcy case, how long will that be on my credit?  What about a Chapter 11 business bankruptcy?

At the time this video is made, a chapter 7 bankruptcy will stay on your credit report for a period of 10 years.  That doesn’t mean you won’t be able to get a car loan or a credit card or even a mortgage for a house after you file.  In fact, after your chapter 7 case is over, you will get many credit card offers in the mail.  You will be able to get a car loan and a credit card usually within 30 to 45 days after you file a chapter 7 case. A mortgage usually takes at least a year, but usually 2 to 3 years after you file before you will qualify. 

It is different in a chapter 13 bankruptcy case.  Usually, a chapter 13 bankruptcy will report on your credit history for 7 years a drop off.  Remember, in a ch 13 case, you are in bankruptcy for at least 3 years and no more than 5 years.  This means if you are in a 5 year plan, the bankruptcy will only report for 2 years after your case is done and then it drops off of your credit history.  Not a bad deal.

We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.  If you would like additional information about filing for bankruptcy relief, give our office a call at 801-676-7308.  If I am unavailable, please schedule a telephone appointment or an in person meeting.  Our office has free initial consultations.

This video is really for you if you have a family law case or if you are going to have a divorce, child support or child custody case in Salt Lake City Utah or in one of these Utah locations: Salt Lake City, Provo, Orem, Ogden, Park City, West Jordan, Pepperwood, Sandy, South Jordan, Salt Lake City, Herriman, Sandy City, Taylorsville, Midvale, Riverton, Draper, Holladay, Copperton, Magna, Alpine, Lehi, Grantsville, Tooele, North Salt Lake, Bountiful, Woods Cross, Lindon, Centerville, Orem, Bluffdale, Park City, Farmington, Provo, Kaysville, and Layton.

#AscentLawFirm

#JimBalmforth

#UtahBankruptcyLawyer

In this video I give you a brief explanation of how long bankruptcy wills stay on your credit history in Salt Lake City Utah.  We are Utah Bankruptcy Attorneys and Lawyers in these Utah locations: Salt Lake City, Provo, Orem, Ogden, Park City, West Jordan, Pepperwood, Sandy, South Jordan, Salt Lake City, Herriman, Sandy City, Midvale, Riverton, Draper, Holladay, Copperton, Magna, Alpine, Lehi, Tooele, North Salt Lake, Bountiful, Woods Cross, Lindon, Centerville, Orem, Bluffdale, Park City, Farmington, Provo, Kaysville, Layton, Syracuse, Clearfield, Hill AFB, and Grantsville.

I hope you find this blog post helpful - if you have other questions - please let me know - thanks and take care - 

Jim 

==

Guardian Law LLC
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 876-5875

Stop Wage Garnishment Utah Now 801-676-7308 Bankruptcy Lawyer Jim Balmforth explains how

Have you ever wondered how to stop that Wage Garnishment?

Stop Wage Garnishment Utah

If you live in Utah and you've got some creditor coming after you hardcore, you need to stop the wage garnishment right now.

How do you do that?

Watch this video:


Okay, now that you've watched it you understand your options right?

I know that if you are a victim of a wage garnishment, you must feel horrible and like there is nothing that you can do.  But there is hope -- believe it or not, there is something you can do to put the kibosh  on wage garnishments.

First, you can attack the wage garnishment and stop it by showing the court that the creditor messed up or didn't do something they were supposed to do.  Or perhaps they are going after the wrong person!  This isn't your debt!  They've got the wrong one - the creditor screwed up.  Tell the court.  Perhaps your wages are exempt under Utah law.  If you have time, go through each and every Utah exemption in the Utah Code and see if one applies to you and your situation.  You can also meet with an attorney who does debt relief like us and we can advise you about your rights and exemptions under the law.

Second, you can stop the wage garnishment by filing a bankruptcy case.  Under bankruptcy law, once you file a chapter 7 case, or chapter 13 or chapter 11 case, an automatic stay goes into effect.  The automatic stay prohibits creditors from collecting anything from you.  Yes, you got that right - they can't do a garnishment so you can stop the wage garnishment right away.

If you've gotten to this point, you are probably very interested and maybe very motivated to stop a wage garnishment in the State of Utah.  Since this is the case, you should call me today for your free consultation 801-676-7308.  I will show you exactly and in detail how to stop wage garnishments in Utah now.

Now, look, just because my office is in West Jordan, Utah, doesn’t mean I can’t help you.  I work with folks all over Utah, including South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Herriman, Bluffdale, Lehi, Tooele, North Salt Lake, Pepperwood, White City, Bountiful, Woods Cross, Orem, Park City, Farmington, Provo, Camp Williams, or Grantsville. 

So, don’t be afraid to call me now.  

Utah Bankruptcy Lawyer
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308

I hope to hear from you soon.

#AscentLawFirm

#JimBalmforth

#StopWageGarnishment

#StopWageGarnishmentNow

#StopWageGarnishmentUtah

#UtahBankruptcy

#bestbankruptcylawyer

stop wage garnishment Utah

stop wage garnishment Utah

stop wage garnishment Utah

Expungement Utah - Does a crime automatically fall off of my record when I'm done with probation?

You should watch this video as I answer the question:

If I finish my probation and my criminal case is closed does my charge fall of my record at some point?

Watch and see:



Okay, now you know that the answer is - no.  It doesn't just fall off your record.

You have to go through several different steps in order to remove a criminal case from your criminal record in the State of Utah. 

To get a Utah expungement you have to wait a certain amount of time if it was a class c misdemeanor, then you have to wait 3 years.  Now, the waiting period on all of the expungements if the time from the date that you were convicted or release from incarceration, from probation, or from parole, whichever of these events was the last thing that happened.  That is when the time period starts to run. 

For a class B misdemeanor in Utah, an expungement takes 4 years.  It is 5 years for a expungement in Utah for a class A misdemeanor.  For a felony, you have to wait 7 years for a Utah expungement.  I know, it’s crazy isn’t it.

To start the process off, you should speak with a really good lawyer.  Give us a call 801-676-7308 and speak with us.  We’d love to assist you in your expungement in Utah.

Also, keep in mind that this is not automatic.  You have to get a eligibility certification from the Utah Bureau of Criminal Identification or BCI.  You have to file a petition for expungement in the Utah court where the case was filed.  You have to serve the petition and certificate on the city prosecutor or district attorney or attorney general – whichever prosecuted you.  You also might need to have a hearing in front of a judge.  The court may even get the AP&P – adult probation and parole services involved to give a response.

If approved by the judge, then you need to get certified copies of the order of expungement and you have to serve them on each and every agency that has a record of it.  You have to do this otherwise they won’t seal or destroy the records.  Once the court destroys the records, you’ll never be able to get other certified copies because the case will literally not exist anymore.  I hope this information is helpful.

If you have been convicted of a federal crime, the only way to get that removed is by a presidential pardon.  We do those applications – they are time consuming and expensive.

If you are looking for a top rated expungement attorney in Utah, you’ve come to the right place.

Expungement Utah
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308

#expungementutah

#AscentLawFirm

#JimBalmforth

We want to help you if you had a case in South Jordan, Salt Lake City, Sandy, Midvale, Riverton, Draper, Magna, Alpine, Herriman, Bluffdale, Lehi, Tooele, North Salt Lake, Pepperwood, White City, Bountiful, Woods Cross, Orem, Park City, Farmington, Provo, Camp Williams, Grantsville or anywhere in the state of Utah - we do expungements state wide.

Finally Stop Annoying Collection Calls from Creditors 801-676-7308

Hi Folks --

Jim Balmforth here again, hopefully with some wisdom about stopping creditor harassment once and for all.

You and I both know that there is nothing worse than having to deal with collection calls.

It's awful (to say the least)

and all you want to do is stop answering the phone.

Which is what I recommend that you do.

Once you've made the decision to stop this nonsense, don't take their calls.

But, you don't want to go through the trouble of changing your phone number do you?

I sure don't.

So what's the solution to stop creditor harassment?

Watch this video as I explain:


Now you know the simple solution - file a bankruptcy case.

It's not as easy as it sounds.

There are a lot of steps that you have to go through in order to get started.

First step is to get your credit counseling certificate.

The certificate is good for a period of 6 months.

Go to www.Debtorcc.org and take the credit counseling class and get the certificate over to me.  This is the first step to stopping those collection calls once and for all.


thanks for visiting - call me soon -




James R. Balmforth, JD

Utah Bankruptcy Attorney
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308

4.8 stars - based on 45 reviews

Chapter 11 Bankruptcy in Utah 801-676-7308 Avoid Legal Mistakes – You Need a Chapter 11 Bankruptcy Attorney

Avoid Legal Mistakes – You Need a Chapter 11 Bankruptcy Attorney 

Does life suck right now?

Are you in debt?

Do you have a business in debt?

Are you looking for some legal help?

Do you think you can do it without a lawyer?

If so, you probably want to talk to me.

Look, I’m a straight shooter and I’m not going to feed you a line of bull.  You need a lawyer if you are going to file for bankruptcy.  This is federal court.  This isn’t small claims or justice court where you get a small fine and you’re on your way.  You could get in very serious trouble if you do something wrong.

This is why you should call me and get some help.

I offer free initial consultations, so there is no excuse.  If you come in and meet with me, or when we have a nice conversation over the phone, you don’t need to worry because you can always decide to go it alone or not do anything at all.

At lease you could find out how I can help you.

Watch this video:



Anyway, you need to understand a few things about chapter 11 bankruptcy.  It is usually for businesses who want to reorganize.  Individuals can file for chapter 11 as well, but usually it is a chapter 7 or 13 bankruptcy that is filed by people.  The only times I’ve seen a person file for ch 11 was when they did not qualify under chapter 13 and they really had an asset that they wanted to keep or maintain that they would lose in a chapter 7 case.

Do you qualify?

Well, the first thing to consider in a chapter 11 is the huge filing fee with the court.  The filing fee right now is $1,038.00.  Our office usually gets $10,000 to $20,000 up front to put into our office trust account for a chapter 11 case.  In other words – they are very expensive.

If you qualify for a chapter 13 or a chapter 7, it’s best to go that route first (if you can).

Best thing to do is call me to discuss things.

There is more – you need to list all of your debts and all of your assets.  If you are a person, and you own a company—you need to list that information on your bankruptcy schedules.  If you don’t you are causing problems for yourself and others.  Big problems – we’re talking go to federal prison problems.  Always best to simply tell the truth – that way you don’t have problems going forward.

This is another reason why you really need a great lawyer on your side.  With an elite attorney you’ll be able to talk things over with me in advance and I can tell you what the results will be because of the experience I’ve had with the law.  Remember, I go to court all the time – you probably don’t.  This is why you want me on your side.  Experience and education count in the courtroom.  I’ve seen federal judges (and yes, bankruptcy judges are federal judges) totally rip into people who aren’t lawyers because they didn’t do something right.  The judge said “ignorance is no excuse – if you’re going to represent yourself, you’ve got to do it right or get a lawyer” !!!  Yup – no joke – so be sure if you decide to go it alone, you do it right – no one wants to get yelled at.

I digress.

Look, I hope you’ve found this information helpful.  Give me a call if you’d like to discuss your case 801-676-7308.  Our conversation may just be invaluable.

Until next time - come and see me -- got it?




James R. Balmforth, Esq.

Utah Bankruptcy Attorney
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308

Utah Divorce Lawyer

4.7 stars - based on 22 reviews

Divorce in Utah Attorney says -- Call Me -- Ask Me -- Questions! 801-676-7308

Look - if you've been following my blog and my youtube channel - you probably feel like you know me, right?

I mean, yeah, I'm "that" guy -- I'm the attorney... I do divorce and criminal work.

I'm here to help you through the tough times.

I want to help you.

And as a part of giving back - I answer questions that are submitted to me.  So hey, I'm running low on questions -- give me a call - shoot me message through this blog and let's get a conversation started.

Watch my latest video below.



And remember - if you have questions about divorce in Utah, it is best to speak with a competent attorney who regularly practices in Divorce law.  That’s what I do.  I do criminal law and divorce law.
Those two areas take up a little over ½ of my practice.  You need to talk to a great divorce lawyer.  I can’t give you legal advice over youtube or in a blog post.  I’d love to, but I can’t.  The main reason is because facts matter in a case.  Your specific circumstances matter to how I believe a judge or a court commissioner will rule in your Utah divorce or child custody case.   Accordingly, please call me or another attorney.  My number is 801-676-7308.

Just because you call me, doesn’t mean you have to hire me.  You can hire another cheap attorney if you want to.  It’s completely up to you.  I say: go over all of your options and make a decision and move forward.  I’m going to try to keep posting on youtube and my blog, so I need your help to provide me good questions about Utah child custody law, child support, parent-time;
alimony (sometimes called spousal support or maintenance); and division of debt, splitting up property, pensions 401(k)s, and other retirement benefits and how Utah judges split them up.

I don’t care if your question is about post-decree modification or changing child support, give me a call and – hey – if I can’t get your call because I’m on the other line or in court or in a meeting; you can schedule a free consultation with my staff.  Call 801-676-7308 and get your free consultation on divorce in Utah now.

Thanks for enjoying the journey with me.

Until next time - come and see me soon --




James R. Balmforth, Esq.

Utah Divorce Lawyer
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308

Utah Divorce Lawyer

4.9 stars - based on 45 reviews

Why Should I Hire You to Be My Attorney? 801-676-7308 Jim Balmforth explains...

I'm not a megalomanic.  I don't go around telling people that I'm God's gift to the legal field.  But I will tell you the truth - I am a fighter.  I go to court all the time.  As I write this, I've had 2 trials in the last 2 weeks.  That ought to tell you something.  I'm no stranger to the courtroom.  I know what I'm talking about.  I've been doing this for years and years.

Anyway,  I made this cool video to explain how I answer the question - why should I hire you?


So, now that you've watched it, what do you think?

Make sure you come back tomorrow and check out more blog rants and more recorded legal information to help you with your lawsuit in Utah.

best ~



James R. Balmforth, Esq.

Utah Criminal Defense Lawyer
8833 S. Redwood Road, Suite C
West Jordan, Utah 84088 United States
Telephone: (801) 676-7308
Fax:(801) 676-5508

Rated 4.7/5 based on 7 reviews