Take the First Step towards Freedom
Our bankruptcy attorneys, Phillip Shell and Tonya Whipple, provide comprehensive bankruptcy representation for clients statewide throughout Utah. They offer appointments during normal business hours (8:30 a.m. - 5:30 p.m.) and  may also be available for evening and weekend appointments upon request. Our office is conveniently located near the Murray Central Trax Station. 
Call or email us today to schedule your free consultation.
  • 801.262.6800
  • lawyer@dslaw.com

 

Our Bankruptcy Lawyers Help Get Creditors off Your Back

Taking the mystery out of bankruptcy

The attorneys at Day Shell & Liljenquist, L.C. help clients find their way through difficult financial times. U.S. bankruptcy law provides relief to financially burdened consumers who can't make ends meet. We take the time and have the experience to help you. We'll take care of your debt issues and take care of them the right way. Our rates are reasonable and you will appreciate the personal attention you will receive.

What are the bankruptcy options?

Depending on the amount of your assets and liabilities, you may be eligible for protection under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. The vast majority of individuals and families who pursue bankruptcy use either Chapter 13 or Chapter 7, but other chapters are appropriate for farmers, fishermen, municipalities, and businesses. Sometimes filing bankruptcy is not the best option for your situation. We can help you make the right decision and get you the relief from your creditors that you need. We are a debt relief agency. We help people file for bankruptcy.

What are some reasons to pursue bankruptcy?

If you are in over your head financially, it may be time to raise the white flag and ask a court for permission to start over. Sometimes these situations arise from unexpected medical emergencies, job changes, or divorces. Besides simply getting a fresh start financially, a bankruptcy proceeding can deal with some of the consequences of money problems, including:

  • Stopping a foreclosure
  • Stopping wage garnishment
  • Stopping repossessions
  • Fixing credit ratings
  • Stopping a creditor from taking exempt property, such as your home
  • Stopping creditor harassment

Our knowledgeable bankruptcy attorneys explain the law to you, evaluate your circumstances, and recommend a course of action to help you move toward a fresh start. We have helped clients throughout Utah, including St. George, Vernal, Tooele, and Logan, and we can help you, too.

What is the timeline for a bankruptcy case?

Your case may be over in just three to eight months if you file under Chapter 7. If you file under Chapter 13, your case remains open for three to five years, depending on the length of your Chapter 13 repayment plan. Under either chapter, your case proceeds through the following general steps:

  • You meet with one of our bankruptcy attorneys. The initial consultation is free.
  • You provide the requested financial information to our office.
  • We prepare your petition for your review.
  • After your review, we file the petition with the court.
  • Once your case is filed, you get a case number to give to any creditors who may call you before they receive notice of your bankruptcy petition.
  • Your case is set for a meeting of the creditors within four to six weeks (sometimes referred to as the "Section 341 hearing").
  • After the meeting of the creditors, you must complete an approved financial management course. We provide this information to you.
  • If there are no objections from your creditors, your dischargeable debts are discharged by court order within 60 to 90 days of filing your financial management certificate.
  • A discharge signifies the end of your case, and it is closed by the court.

Review our frequently asked questions to learn more about what to expect during your bankruptcy proceedings.

Which is better - Chapter 7 or Chapter 13?

The answer depends on the relative size of your assets versus your liabilities. Chapter 7 is often referred to as the liquidation chapter, while Chapter 13 is often referred to as the consolidation chapter. After reviewing your financial information, if you qualify to file under both chapters, then you get to choose. Chapter 7 and Chapter 13 bankruptcy cases are structured and administered differently, and each has its advantages and disadvantages. Our qualified Chapter 7 and Chapter 13 bankruptcy lawyers can guide you to the chapter that is right for you.