999 Murray-Holladay Rd., Suite 200
Murray, Utah 84117


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Bankruptcy Chapter 7

Chapter 7 is a debt‑liquidation solution intended for people with lower incomes who cannot afford their debts. To qualify for Chapter 7, it must be determined that your income is not too high to allow you to pay some of your debts. The bankruptcy means test is the test that the bankruptcy courts use to determine whether or not you qualify.

Chapter 7 bankruptcy does not discharge every type of debt. Therefore, it is important to determine whether your debts are dischargeable. If your debts consist...

Bankruptcy Chapter 13

Chapter 13 can be a good solution for people with adequate income who need time to pay off certain debts. In Chapter 13, you get to keep all of your property, however, you must repay your unsecured creditors at least the value of the property you would have lost had you filed for Chapter 7 bankruptcy.

To successfully file for Chapter 13 Bankruptcy you need to have enough income to remain current on debts that secure collateral (house or car payment) while fully paying offer priority debts...

If you are facing mounting credit card bills, harassing phone calls from creditors, a home foreclosure or wage garnishment, it is important that you consult with an experienced bankruptcy attorney. I have experience representing individuals and businesses seeking relief under Chapter 7 and Chapter 13 of the bankruptcy code. My experience is exceeded only by my commitment to my clients. I am committed to providing my clients with the individual attention they deserve. I work personally with each client to design and implement a bankruptcy plan that fits their unique set of circumstances. As your bankruptcy attorney it is my goal to help you overcome your current financial crisis and to feel hope for the future. Please don’t suffer another sleepless night.


Call me at 801‑930‑6637 or email me at bankruptcyattorney@osnlaw.com to schedule your free bankruptcy evaluation.