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Stop Foreclosure in Utah With Bankruptcy

Bankruptcy can immediately stop foreclosure in Utah when a loan modification or other means cannot. That’s due to bankruptcy’s automatic stay, which immediately prohibits creditors from taking any collection action against you–including foreclosure as soon as your bankruptcy petition is filed with the court. This may provide the relief that you need to get your finances in order. To determine whether bankruptcy will enable you to keep your home depends upon a number of factors. You can read more on our blog. Our experienced Utah foreclosure attorney can help you determine if your home or other property may be saved.

Chapter 13 to Stop Foreclosure in Utah and Keep Your Property

The power of chapter 13 bankruptcy can help you if you are behind on your mortgage or automobile payments and you want to keep your property; Chapter 13 may be just the solution you need. In a Chapter 13, the mortgage arrearages may be paid over the course of a three to five year repayment plan allowing you the needed time to get your finances in order and keep your most valued possession. In addition, if your property is worth less than the amount you owe it may be possible to reduce the amount you owe to the value of the property.

What is the Foreclosure Process in Utah?

Like most western states in the United States, Utah recognizes Deed of Trust, which is a legal instrument similar to a mortgage but allows the creditor to foreclose non-judicially instead of requiring a law suit to foreclose. Deeds of Trust simplify the foreclose for the creditor and remove other protections to the homeowner. As a result nearly all creditors will foreclose by following Utah foreclosure statutory framework. In general this requires a Notice of Default and Election to Sell the property to be recorded with the County Recorded. The creditor then must wait at least 3 months to allow time to resolve the arrearage. Then the creditor must notice a date and time of the sell in a newspaper of general circulation and a notice must be posted on the property. At the designated date and time the property is sold to the highest bidder. A bankruptcy case that is filed prior to the foreclosure sell stops and invalidates any foreclosure sell following the filing.

Stop Foreclosure, Wage Garnishment & Creditors

We can help you stop foreclosure, stop wage garnishment, stop eviction, and stop creditor harassment and get the debt relief you need.

Get Experienced Foreclosure Help

Stop foreclosure in Utah today with the help of our experienced bankruptcy attorneys. Your fresh start is just over the horizon!

Schedule your free case evaluation to stop foreclosure in Utah today!

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File Fast With Our
Affordable Bankruptcy Program

Eliminate the cost hurdle to get your case filed.

Get your case filed fast for $0 Down. That’s Right! Our Affordable Bankruptcy Program will get your case filed to stop garnishment, repossession, foreclosure, and creditor actions…and then we’ll setup small monthly or biweekly payments to complete your case, so you can pay the rest over time.

★★★★★
Client Reviews

Easy to work with, explained in full detail!! Happy that I choose these guys!! Continue Reading

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Don’t Be Fooled By other $0 Down Ads

Capstone Law offer an authentic $0 down chapter 7. Other firms say they offer a $0 down option, but it only applies to chapter 13 cases or only applies to their attorneys’ fees. Which means you still have to pay the court filing fee and other expenses upfront before your case can be filed and creditors stopped. Our $0 down option means what you think it means: we file the case with $0 down, including costs.

Capstone Law offers the
Lowest Cost to File Chapter 7 in Utah

Why Our Clients Choose Capstone Law

Flexible Payment Options

Whether you pay the full attorney’s fees upfront or select our low upfront bankruptcy option, you will be able to make flexible payments to pay for bankruptcy.

Experienced Utah Bankruptcy Attorneys

Get the experience you need to ensure your case is handled with the attention and care you deserve. We handle each case as if you were family…because to us you are.

Affordable Utah Bankruptcy

Unlike most Utah Bankruptcy Attorneys, we make obtaining the financial relief you need affordable with our flexible payment options.

Friendley & Compassionate Staff

We know we are biased, but we think our staff is simply the best. They are friendly, understanding, knowledgeable and very experienced.

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UTAH BANKRUPTCY ATTORNEYS:
Capstone Law

Experience You Can Trust

If you are considering bankruptcy due to unexpected medical bills, job loss, as a result of divorce, economic downturn, or other unplanned or uncontrollable event in your life, you are not alone. Our Utah bankruptcy attorneys have helped hundreds of honest and hard-working people get the financial relief they need to rebuild their lives and credit.

Bankruptcy is the legal system’s honest and acceptable way for you to take control of your finances and get the relief you and your family need and deserve. We strive to first understand your situation and then help you understand the best course of action to get your finances back on track.

Compassionate & Understanding

We know that facing bankruptcy is a difficult and stressful time.  That’s why we make the cost to file bankruptcy both simple and affordable. We can help you with a flexible payment plan or an affordable low upfront cost emergency filing.

We offer the most flexible options to pay for the costs of bankruptcy of any bankruptcy law firm in Utah. You take control by tailoring the costs to best fit your needs. Schedule a Free Bankruptcy Evaluation to see just how affordable we make the cost to file bankruptcy.

Founder & Managing Member

Utah Bankruptcy Attorney Russell B. Weekes

“Capstone Law focuses its’ practice on bankruptcy and debt relief because we know how financial difficulties can impact every aspect of a family’s life. As a result, we treat each case and client as if it were our own.”

– Russell B. Weekes, Utah Bankruptcy Attorney

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Get To Know Us

There are reasons that Capstone Law helps more people get financial relief in the State of Utah. Find out why.

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File Fast With Our
Affordable Bankruptcy Program

Eliminate the cost hurdle to get your case filed.

Get your case filed fast for $0 Down. That’s Right! Our Affordable Bankruptcy Program will get your case filed to stop garnishment, repossession, foreclosure, and creditor actions…and then we’ll setup small monthly or biweekly payments to complete your case, so you can pay the rest over time.

★★★★★
Client Reviews

Easy to work with, explained in full detail!! Happy that I choose these guys!! Continue Reading

More Testimonials

Tricia H.

Which Chapter of Bankruptcy is Right For Me?

Utah Chapter 7 Bankruptcy

Chapter 7 in Utah is often called a liquidation. In chapter 7 you are entitled to keep all your “exempt” property–or property that is protected. Any non-exempt property may be liquidated or sold on behalf of your creditors. Most people that file for chapter 7 don’t lose any property.

To find out how chapter 7 will impact your property, schedule your free Utah bankruptcy consultation today!

Our Utah Bankruptcy Attorneys will help you understand your situation and guide you through the entire process.

Utah Chapter 13 Bankruptcy

Chapter 13 in Utah is a debt consolidation and repayment plan. Generally, your plan repayment plan amount will be based on your disposable income. The repayment plan will normally last between 36 and 60 months.  Chapter 13 is appropriate when:

  • You have a higher income
  • You have more substantial assets
  • You want to avoid foreclosure
  • You want to avoid repossession
  • You want to restructure a secured loan such as a mortgage or auto loan

To find out how chapter 13 can help you, schedule a free consultation today!

Why Our Clients Choose Capstone Law

Flexible Payment Options

Whether you pay the full attorney’s fees upfront or select our low upfront bankruptcy option, you will be able to make flexible payments to pay for bankruptcy.

Experienced Utah Bankruptcy Attorneys

Get the experience you need to ensure your case is handled with the attention and care you deserve. We handle each case as if you were family…because to us you are.

Affordable Utah Bankruptcy

Unlike most Utah Bankruptcy Attorneys, we make obtaining the financial relief you need affordable with our flexible payment options.

Friendley & Compassionate Staff

We know we are biased, but we think our staff is simply the best. They are friendly, understanding, knowledgeable and very experienced.

Call Now