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Utah Chapter 13 Bankruptcy Lawyers

Reorganize Debt Under Chapter 13 of the Bankruptcy Code

Chapter 13 bankruptcy, often called a wage earner’s plan or reorganization, is a type of bankruptcy relief that allows a debtor to pay off the debt over time, while retaining assets.

Debt is reorganized and repaid in whole or in part under Chapter 13 and may apply to individuals or businesses. The repayment plan must be approved by the court and will last for three to five years, depending on whether the debtor’s monthly income is above or below the applicable state median.

Once filing for protection under Chapter 13 of the U.S. Bankruptcy Code, a debtor is protected from collection efforts, lawsuits, and contact by creditors. This protection lasts for the duration of the repayment plan. Once the plan is successfully completed, the remaining eligible debt will be discharged.

Interested in finding out if Chapter 13 bankruptcy may be right for you? Contact Pearson Butler to speak with a skilled Utah bankruptcy lawyer. The firm has handled over 5,000 bankruptcy cases.

Benefits of a Chapter 13 Reorganization

A Chapter 13 reorganization may offer a debtor certain benefits over a Chapter 7 liquidation. Under Chapter 13, you may be able to:

  • Save your home from foreclosure
  • Keep your company’s doors open while you restructure and repay debt
  • Reschedule and lower payments on secured debts
  • Protect third parties who are also liable for your debt
  • Avoid any and all contact with creditors

Every individual or business seeking bankruptcy protection will have different concerns and long-term goals, and that is why it is so important to consider all of your options before you file. Take the first step and arrange a confidential consultation with a seasoned Utah Chapter 13 bankruptcy attorney at Pearson Butler. Give us a call today at (800) 265-2314.

  • "You can literally have all your consumer legal needs covered under one roof." - Jeannette M.
  • "To receive such phenomenal service and to be treated as someone who is significant and important is why I will continue to use Carson Pearson and his firm." - Brooke M.
  • "I really appreciate the warm welcome and recommend them to anyone looking for an attorney who treats you like family and not just a client." - Dan K.
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