Author: John Christiansen

Can bankruptcy eliminate IRS or Utah income tax debt? Learn the 3-2-240 rules, tax liens, and how Chapter 7 and Chapter 13 differ.

Learn how Chapter 7 and Chapter 13 bankruptcy affect Utah debt-collection lawsuits, judgments, wage garnishments, and judgment liens.

Learn how inheritances received before or after filing bankruptcy in Utah are treated, including Chapter 7’s 180-day rule and Chapter 13.

Learn why filing-day cash and bank balances matter in Utah Chapter 7, including pending charges, joint accounts, withdrawals, and spending risks.

Most qualified retirement accounts are protected in Utah bankruptcy. Learn how 401(k)s, IRAs, inherited accounts, recent contributions, and rollovers are treated.

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.