Archive for April, 2013

The Very Personal Decision to File Bankruptcy

Should  a Cache Valley resident file bankruptcy?   To make any important decision wisely, you first need to become well informed about your options.  Then you can weigh those options and make the best choice.  

You load 16 tons, and what do you get? Another day older and deeper in debt. St. Peter don’t you call me ’cause I can’t go. I owe my soul to the company store. Merle Travis, Sixteen Tons

 There’s more to life than cold, hard facts. BUT in life you DO have to face facts. Accepting reality is one of the hallmarks of maturity and personal…

Henderson Law Offices Annouces Spring Financial Peace University Class

Dave Ramsey’s Financial Peace University – All new 9 week course. Saturday morning  classes!. 7:00 a.m. starting 18 May 2013.  Sign up by going to this link: DaveRamsey.com  Or call us to enroll and order your membership kit. When: 5/4/13 to 7/20/13 (No class the week of July 4) Where: Henderson Law Offices  95 West 100 South Suite 240 (downstairs from our office, suite 386) Time: 7:00 a.m. How: Visit DaveRamsey.com or Call Henderson Law Offices [jcarousel visible=”1″ scroll=”1″ wrap=”last”] [slide][youtube url=”http://youtu.be/Fn5heiVjMaM” width=”250″ height=”199″ autohide=”0″ fs=”1″ rel=”0″][/slide] [/jcarousel]

Who’s Who in Utah Bankruptcy

Any Bankruptcy filed in Utah has a number of actors.  You’ll be much more comfortable during your bankruptcy case if you know the system’s cast of characters.   The Debtor This is the “person” for whom a bankruptcy case is filed. It can be an individual or a couple, and can also be a corporation, partnership, or some other kind of business entity.  As the debtor you have to qualify to file bankruptcy—sometimes qualifying is very easy, other times quite difficult. Fill out our free bankruptcy intake form and an attorney will contact you and tell you if you qualify.   You…

Basic Information About the Chapters of Bankruptcy

Everything about bankruptcy revolves around its Chapters. How do you know which Chapter you need to file in Utah? Henderson Law Offices can advise you on this as well as alternatives to bankruptcy.   Bankruptcy Law, Organized All of the federal statutes are contained in the United States Code. Like a small library, the U.S. Code is divided into “Titles.” There are 51 Titles, mostly organized alphabetically, with Title 11 about “Bankruptcy” coming right after Title 10 about “Armed Forces” and right before Title 12 about “Banks and Banking.” The entire Title 11, commonly referred to as the Bankruptcy…

What Exactly IS Bankruptcy for Cache Valley consumers?

Let’s get very basic about bankruptcy in Utah. What gives a consumer in Cache Valley the right to just stop paying creditors? What do your creditors get in return?   An Option—Nothing More or Less Bankruptcy is a legal option to consider if you are having serious financial problems. It may or may not solve those problems in your particular situation, but it is worth finding out one way or the other. If you have a reason not to file bankruptcy, whatever it is, you should find out whether that reason actually does apply to you, and whether the law provides…

Henderson Law Offices Graduates its Ninth Financial Peace University Class

We just finished our ninth sponsored Dave Ramsey Financial Peace University Class (FPU).  This last class of graduates accomplished a lot.   Take a look: 14 Families – 23 individuals – 14 Graduates 8 Families Reporting: $53,000.00 in non-mortgage debt paid off. $73,200.00 saved 29 Credit Cards Cut Up These statistics were skewed a little because one family was able to do so much during the nine weeks.   Probably crab fishing in Alaska or something like that.   The mean change for families in the class was $3,000.  That is still quite an amazing change in nine weeks.  We just love seeing…