Author: John Christiansen

Will filing Chapter 7 hurt your spouse’s credit in Utah? Learn how individual filings, joint debts, and shared accounts affect a nonfiling spouse.

Should you reaffirm a car loan in Utah Chapter 7? Learn when retain-and-pay may work, what reaffirmation gives the lender, and why better loan terms may matter.

Will filing bankruptcy hurt your cosigner? Learn how Chapter 7 and Chapter 13 affect cosigned loans, joint debts, and family members in Utah.

Can you keep your checking account when filing bankruptcy in Utah? Learn what happens to bank balances, protected deposits, paychecks and credit-union accounts.

Can you use credit cards before filing bankruptcy in Utah? Learn the 90-day luxury purchase rule, 70-day cash advance rule, and when charges may survive bankruptcy.

Can you repay parents or relatives before filing bankruptcy in Utah? Learn the one-year insider rule and when a trustee may recover family loan payments.

Can you keep your car in a Utah Chapter 7? Learn how vehicle equity, Utah exemptions, car loans, reaffirmation, redemption and surrender affect your options.

If property is only in your spouse’s name, is it safe in a Utah bankruptcy? Learn how trustees analyze title, equitable ownership, separate property, and transfers.

Can a Utah bankruptcy trustee take your tax refund? Learn how the new 2026 Utah exemption protects Earned Income Tax Credit and Child Tax Credit amounts.

Chapter 7 or Chapter 13 in Utah? Compare debt relief, repayment plans, income, property, mortgage arrears and other factors that may determine which chapter fits.