Latest Utah Bankruptcy News and Advice

Stay informed with Doug L. Barrett (the Utah Bankruptcy Guy) and his DLB Law Firm

Three Ways To Improve Your Credit Score After Bankruptcy

By utahbklawyer | Apr 24, 2017

Good financial habits must be cultivated and maintained over time in order to raise your credit score after you file for bankruptcy. Here are three simple steps that can help you improve your credit rating. 1.Pay your debts early and religiously to make sure you are always in good standing. 2.Getting a secured, affordable loan and paying it back…

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Your Retierment Account in Bankruptcy

By utahbklawyer | Apr 13, 2017

In Utah when facing a debt crisis, the decision to use or not to use your retirement account to bail you out of the crisis is an important one. Too often we see prospective bankruptcy clients come into the office who have just recently cashed in their retirement accounts in an attempt help them survive their financial problems only to realize that…

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Pay Day Loans and Bankruptcy

By utahbklawyer | Apr 7, 2017

The idea seems good: Get some quick cash to help you get to your next pay day. But payday loans are not that great of a deal when you start to look at what actually happens when you take out such a loan. PAYDAY LOANS or pay day or pay-day or cash advance or cash-advance collections or…

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Can I have too much debt to file for bankruptcy?

By utahbklawyer | Apr 5, 2017

This is a common question here at the office: Is there a certain amount of debt that somebody needs to have before they can file a Utah bankruptcy. The answer is that there is no minimum amount of debt that is required to file for bankruptcy protection.  Sometimes you can actually have too much debt to…

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Bankruptcy and Divorce

By utahbklawyer | Mar 25, 2017

More often than not divorce and financial difficulties go hand in hand. If you think about it this makes sense, because when two people who had previously been sharing at least some of their living expenses decide to part ways and establish separate households, each of them becomes responsible for paying for everything that they then…

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If I'm married do I have to file bankruptcy with my spouse?

By utahbklawyer | Mar 21, 2017

No, the United States Bankruptcy code does not require married couples to file together. However, in most of the cases I see, both spouses usually choose to file together. But there are exceptions, such as recent newlyweds, sometimes only one spouse files thereby preserving the credit standing of the other, non-filing spouse. You do need to…

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Will I lose my car if I file for bankruptcy?

By utahbklawyer | Mar 15, 2017

I get this question all the time. “I need my car to get to work – will I lose it if I file for bankruptcy?” That’s a loaded question and hard to answer in 30 seconds. What you need to understand that every case is different but in most cases you can choose a type…

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What kind of question will a bankruptcy lawyer ask me in my first consultation?

By utahbklawyer | Mar 9, 2017

I always tell prospective clients to be prepared to answer some questions like this: • What kind of debts do you owe? • Are you able to pay the minimum payments on your bills? • Do you find yourself spending more money than you make? • Are creditors constantly calling you? Are your wages being garnished? I…

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Can I file for bankruptcy in Utah if I don’t have a job?

By utahbklawyer | Mar 6, 2017

One of the most common reasons for filing for bankruptcy is when someone has lost of a job. The answer then is YES you can definitely file for bankruptcy if you don’t have a job but whether or not the bankruptcy will be successful will depend on which type of bankruptcy you file for. Chapter…

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