Chapter 7 Bankruptcy

To whatever extent it’s possible, Chapter 7 bankruptcy in West Jordan and other cities in Utah is about “wiping the slate clean” – it’s designed to relieve all general unsecured debts, including items like credit cards and major medical expenses. In these cases, you’ll be forfeiting the majority of your non-exempt assets, a process that’s aided by a trustee who is appointed to help with the sale of your assets. Under Utah bankruptcy code, items you’ll be allowed to keep during Chapter 7 bankruptcy include your car, home, and certain other property-related assets.

Once your non-exempt assets have been liquidated, the appointed trustee for your case will pay outstanding creditors a percentage of the proceeds. Certain other debts might be forgiven, or discharged, though be aware that debts like student loans, alimony, and child support taxes generally cannot be discharged under any circumstances. Once you’ve filed for Chapter 7 bankruptcy once, you’ll be ineligible to file for the same form again for at least the next seven years.


Qualifying for a Chapter 7 bankruptcy can be difficult, as the courts are looking for ways to limit the number of bankruptcies being filed.

The Means Test can help you determine if you qualify. Take your gross income for the last six months and double it; if the amount you come up with is less than the state median, then you may qualify for a Chapter 7. If you make more than the median, the courts understand that you can at least pay back part of your debt and that you should file a Chapter 13 instead.

Experienced Bankruptcy Attorneys

At Osmond Law, we have a team of experienced bankruptcy attorneys who can help determine if you qualify for Chapter 7. We will help you file for a Chapter 7 bankruptcy in West Jordan, South Jordan, Taylorsville, West Valley City, and Tooele and work with you to achieve the desired outcome, with the least negative consequences as possible.

Because we are a caring, passionate team, we will represent you during every phase of the filing process. We will also protect you against creditors, foreclosures, evictions, and repossessions.

For more information on Chapter 7 bankruptcy, or to find out if it’s right for your situation, speak to the bankruptcy attorneys at Osmond Law.