Cedar City Chapter 13 Bankruptcy Lawyer

Top-Tier Representation in Cedar City & St. George, Utah

A Chapter 13 bankruptcy is also known as a “debt adjustment” bankruptcy. Filing for Chapter 13 allows debtors to structure their finances into a payment plan and satisfy their creditors on a three to five year track. Chapter 13 bankruptcies are a great solution for individuals that are drowning in debt but have a steady income.

With Chapter 13 bankruptcy, you may be able to:

  • Repay a fraction of qualifying debts and have outstanding balances absolved
  • Catch up on delinquent debt
  • Reduce or eliminate the interest rate on a qualifying second rate mortgage
  • Retain assets you would be forced to surrender in a Chapter 7 bankruptcy

Interested in filing a Chapter 13 bankruptcy? Call M.A. Munson Law at (435) 213-1963 to learn more.

The Differences Between Chapter 7 & Chapter 13

With Chapter 7 bankruptcy, the filer agrees to liquidate most assets for profit and use the earnings to pay back creditors. With Chapter 13 bankruptcy, assets are not liquidated. Instead, the filer forms a plan to repay a fraction of his or her outstanding debt. This may include selling off some property or devoting a larger portion of income to settling the balance. It may take some sacrifice, but when clients are diligent this process can lead to a brighter future.

With both bankruptcy chapters, once the client files for bankruptcy, all creditors are required to stop harassing them. This means no more collections calls, no more wage garnishment, and no more legal action. You will be free from the burden of these collectors, even if you do not settle your debts in full through bankruptcy.

We caution our clients to weigh all options when choosing which chapter to file. Call us at (435) 213-1963 for a free consultation with a Cedar City bankruptcy lawyer and decide which chapter is best for you.

M.A. Munson Law: Premiere Bankruptcy Attorneys in Cedar City

Our dedicated legal team cares for each and every client and provides personalized, accessible service. Our lawyers meet with clients before their court date and continue with them every step of the way.

We want to help you get back on track and experience financial freedom. That is why we suggest that our clients participate in Financial Peace University, a program that teaches consumers how to eliminate their debt and thrive both personally and professionally.

Hear From Our Clients

We've Helped Hundreds of Utahns Like You
  • “I would highly recommend Munson.”

    April P.
  • “Without a doubt, we will go back to M.A. Munson Law for any future legal matters.”

    Robin G.
  • “ I highly recommend MA Munson law for all your legal needs.”

    David L.
  • “The people at M.A. Munson Law are hands down the best in town. ”

    Aaron B.