Cedar City Chapter 7 Bankruptcy Lawyers

Effective Advocates Serving Cedar City & St. George, Utah

If you are battling ruthless creditors due to outstanding debt, bankruptcy may be the right choice for you.

By filing chapter 7 bankruptcy you may:

  • Immediately stop wage garnishment from creditors
  • Immediately end attempts at repossession
  • Halt IRS levies
  • Remove any asset seizures
  • Stop receiving collection calls
  • Dismiss pending lawsuits against you

What Is a Chapter 7 Bankruptcy?

The most common form of bankruptcy is a Chapter 7 and it is often the best choice for individuals weighed down by debt. Also known as a “liquidation bankruptcy,” this option allows the filer to sell off his or her assets and use that money to pay back creditors.

You will not lose every item that you own in a Chapter 7 bankruptcy. There are legal provisions in place that allow a debtor to exempt property from the liquidation.

Exemptions may include:

  • A certain amount of clothing
  • Certain household items
  • Work-related items
  • A family vehicle (in some cases)
  • A family home (in certain cases)

After all non-exempt items have been sold and all creditors have been partially or fully recompensed, the filer is set free from debt. Even if the profits of the liquidation do not cover all dues, creditors must cease action against the borrower. If they continue to call or seize property, they face severe federal consequences.

Personalized, Compassionate Service in Cedar City, UT

The decision to file bankruptcy can be difficult. We understand the emotional struggle you are experiencing and want to do our best to gently guide you through this process. Our team truly cares about our clients. At M.A. Munson Law, we take the time to get to know you and will make sure to meet with you prior to your court date. Many attorneys delegate consultations to their staff, but at our firm you get one-on-one time with your dedicated lawyer right from the beginning.

Contact a Cedar City bankruptcy attorney today at (435) 213-1963 to schedule a FREE consultation!

Hear From Our Clients

We've Helped Hundreds of Utahns Like You
  • “The people at M.A. Munson Law are hands down the best in town. ”

    Aaron B.
  • “ I highly recommend MA Munson law for all your legal needs.”

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

    Robin G.
  • “I would highly recommend Munson.”

    April P.