If you answer “yes” you are not alone.  Chapter 7 and Chapter 13 bankruptcies have been steadily increasing during this economic recession.  In October 2009 alone 135,914 individuals in the United States sought bankruptcy protection.  With more and more people being laid off and with the slim job market, it is no wonder that individuals in Utah and across the country are finding that their best option is to declare bankruptcy.

Depending on the amount of your income and debts as well as other factors, you could have most of your debts discharged through a Chapter 7 bankruptcy proceeding or restructure your debts through a Chapter 13 bankruptcy proceeding which will allow you to consolidate your debts under the protection of the court and pay your debts back with modified conditions and generally with lower payments.

Let the Utah Bankruptcy Attorneys help you start afresh under the bankruptcy laws.  It is time for you to get your financial affairs back on track; it is time for you to free yourself from those collection calls; it is time for you to Get Protected!