Bankruptcy Attorney in Hurricane, Utah
Get legal debt relief with a trusted local bankruptcy lawyer
Southern Utah Bankruptcy Lawyers You Can Count On
At Ruesch Reeve Werrett & Jones, PLLC, we help individuals and families in Hurricane, St. George, Washington, and Cedar City eliminate debt and take back control of their finances. Our Utah bankruptcy attorneys walk you through every step from filing to final discharge with compassion and clarity.
Whether you’re facing wage garnishment, foreclosure, or overwhelming credit card debt, we help you explore real legal solutions like Chapter 7 bankruptcy and other debt relief options.
Facing Debt or Creditor Harassment? We Can Help.
We assist clients throughout Southern Utah with:
Chapter 7 bankruptcy filing
Debt discharge and relief
Stopping wage garnishment
Protecting assets and property
Ending collection calls
Rebuilding credit after bankruptcy
Our legal team has helped hundreds of Utah residents start over—legally and with confidence.
Facing Debt or Creditor Harassment? We Can Help.
Chapter 7 bankruptcy filing
Debt discharge and relief
Stopping wage garnishment
Protecting assets and property
Ending collection calls
Rebuilding credit after bankruptcy
Speak With a Local Bankruptcy Lawyer Today
Call (435) 635-7737 or contact us online to schedule a confidential consultation. We’ll explain your options, answer your questions, and help you move forward.
Why Southern Utah Families Trust Us
Over 20 years of bankruptcy experience in Utah
Offices in Hurricane, serving all of Washington County
Legal advice tailored to your situation
Transparent pricing and flexible payment options
No judgment—just honest legal help
Serving Clients In:
Hurricane, UT
St. George, UT
Washington, UT
La Verkin, UT
Cedar City, UT
And all of Southern Utah
Bankruptcy FAQs for Utah Residents
Do I qualify for Chapter 7 bankruptcy in Utah?
If your income falls below certain limits, you likely qualify for Chapter 7. We’ll help you check.
Will I lose everything if I file for bankruptcy?
Most clients keep their homes, cars, and essentials. We’ll protect your exemptions.
How long does bankruptcy take in Utah?
Chapter 7 cases are typically resolved in 4–6 months.
Will bankruptcy stop creditor calls?
Yes. Filing for bankruptcy issues an “automatic stay” that immediately stops collections.
What does it cost to file bankruptcy?
We offer affordable fees and payment plans. We’ll explain everything up front no surprises.
Can I file Chapter 7 bankruptcy in Hurricane, Utah?
Yes. If you meet the income and asset requirements, you can file Chapter 7 bankruptcy right here in Hurricane. Our attorneys can guide you through the entire local filing process.
What does a bankruptcy lawyer in Southern Utah actually do?
A bankruptcy lawyer helps you gather documents, file your case in Utah court, protect your assets, and discharge your eligible debts. We also stop creditor harassment and help you start fresh.
Is it better to work with a local bankruptcy attorney near St. George?
Yes. A local attorney understands the Utah court system, regional trustees, and how to best protect your rights under state and federal bankruptcy laws.
How quickly can I file bankruptcy with a lawyer in Washington County?
In many cases, we can prepare and file your Chapter 7 bankruptcy in less than a week. Our Hurricane-based team works quickly to stop garnishments and protect your assets.
⚖️ These exemptions are based on Utah law and may vary depending on your situation.
Our attorneys can help you determine exactly what you can protect.
What Property Is Protected Under Utah Bankruptcy Law?
Filing for Chapter 7 bankruptcy doesn’t mean you’ll lose everything. Utah law allows you to keep certain essential property so you can maintain stability as you move forward. For detailed information, see the Utah Bankruptcy Exemption Laws and Utah Code on Exemptions. Here’s a breakdown of what’s typically protected under Utah bankruptcy exemptions:
(see Utah Code §§78B-5-503, 78B-5-505, 78B-5-506, 78B-5-508):
- Burial plot for you or anyone in your family; (see Utah Code § 78B-5-505(1)(a)(i));
- Health aids that are reasonably necessary (see Utah Code § 78B-5-505(1)(a)(ii));
- Public Benefits such as General Assistance, Social Security, Disability, Unemployment, Worker’s Compensation, (see Utah Code 78B-5-505(1)(a)(iii));
- Benefits used for medical, surgical, or hospital care for you and your dependents (see Utah Code 78B-5-505(1)(a)(iv));
- Veterans Benefits (see Utah Code 78B-5-505(1)(a)(v));
- Child Support (see Utah Code 78B-5-505(1)(a)(vi));
- Alimony and separate maintenance (see Utah Code 78B-5-505(1)(a)(vii));
- Money or assets in a Qualified Domestic Relations Order (QDRO) (see Utah Code 78B-5-505(1)(a)(xv));
- One clothes washer & dryer, refrigerator & freezer, stove & microwave, and sewing machine (see Utah Code 78B-5-505(1)(a)(viii)(A));
- All Carpets in use at your house (see Utah Code 78B-5-505(1)(a)(viii)(B));
- Food and other provisions sufficient for 12 months for you and your family (see Utah Code 78B-5-505(1)(a)(viii)(C));
- Clothing that is reasonably necessary (not including jewelry or fur coats) (see Utah Code 78B-5-505(1)(a)(viii)(D));
- Beds and bedding for you and your immediate family (see Utah Code 78B-5-505(1)(a)(viii)(E));
- Artwork depicting or produced by you or immediate family (unless such artwork is held as part of a trade or business) (see Utah Code 78B-5-505(1)(a)(ix));
- Insurance proceeds, judgment, or settlement that are compensatory for bodily injury or wrongful death to you or to someone for whom you are or were a dependent (see Utah Code 78B-5-505(1)(a)(x));
- Cash value of Life insurance policy (see Utah Code 78B-5-505(1)(a)(xi),(xii),(xiii));
- Pensions, IRA, 401(K) plans and retirement plans (see Utah Code 78B-5-505(1)(a)(xiv));
- Sofas, chairs, and related furnishings reasonably necessary for one household, up to a total value of $500 (see Utah Code 78B-5-506(1)(a));
- Dining and kitchen tables and chairs reasonably necessary for one household, up to $500 per debtor (see Utah Code 78B-5-506(1)(b));
- Animals, books, and musical instruments, up to a total value of $500 (see Utah Code 78B-5-506(1)(c));
- Heirlooms or other items of “particular sentimental value” up to a total value of $500 (see Utah Code 78B-5-506(1)(d));
- Implements, professional books, or tools of your trade, all having a total value not exceeding $3,500 (see Utah Code 78B-5-506(2));
- Motor vehicle (1) not exceeding $2,500 in value, used primarily for daily transportation, and not used for recreational purposes (see Utah Code 78B-5-506(3)(a)(b));
- Cars with equity up to $2,500 (see Utah Code 78B-5-506(3)(b));
- House or primary personal residence with equity up to $20,000 per debtor (see Utah Code 78B-5-503(2)(a)(ii));
- Real property that is not primary personal residence with equity up to $5,000 per debtor (see Utah Code78B-5-503(2)(a)(i));
What Property Can You Protect in a Southern Utah Bankruptcy?
Homestead
Up to $42,000 in equity for a primary residence (or $84,000 if jointly owned).
Vehicle
One car or truck with up to $5,000 in equity.
Household Goods
Clothing, furniture, bedding, and kitchen items (up to reasonable value).
Tools of the Trade
Tools and equipment used for work, up to $5,000.
Retirement Accounts
Most 401(k)s, IRAs, and pensions are fully exempt.
Public Benefits
Social Security, unemployment, and disability benefits.
Medical Equipment
Necessary health items or assistive devices.
Books and Learning Materials
Used for work or school.
Speak With a Local Bankruptcy Lawyer Today
Complete this confidential form and our Hurricane based legal team will contact you within one business day.
Ruesch Reeve Werrett & Jones, PLLC.
86 North 3400 West
Building C Suite 101
Hurricane, Utah 84737
100% confidential. Your information is secure with us