One of the most frequently asked questions regarding bankruptcy is, “what debts can be included in a chapter 7 bankruptcy.” For some reason there is a misconception amongst the general public that certain debts cannot be included in a chapter 7 bankruptcy. For example, a lot of people believe that you cannot include credit card debt in a chapter 7 bankruptcy? Also, several people have stated that they did not think a judgment could be included in a chapter 7 bankruptcy? As I previously stated, these are misconceptions and are not true. You can include credit card debt in a chapter 7 bankruptcy regardless of the amount and regardless of how old the credit card debt is. Likewise, in most cases, you can also include judgments in a chapter 7 bankruptcy. If credit cards and judgments could not be included in a chapter 7 bankruptcy then the vast majority of bankruptcies would never be filed! Another common misconception that a lot of people have is that after filing a chapter 7 bankruptcy and including specific credit card debts in the bankruptcy, you still may be responsible to pay off the credit card debts that were included in the bankruptcy? This…

As previously stated, the majority of all debts can be included in a bankruptcy. However, there are a few specific debts that cannot be included in a bankruptcy. Once you know what debts cannot be included and the reason why they cannot be included, you’ll begin to better understand the protections and benefits that the bankruptcy code offers all of us. The following is a list and explanation of why these particular debts cannot be bankrupted in a chapter 7 bankruptcy: Child Support - It should be obvious why you cannot include child support obligations in a chapter 7 bankruptcy. If you are a parent, you are responsible to care for your children physical, emotionally, mentally and financially. Child support orders come from district court judges. A bankruptcy judge is not going to supersede an existing child support order issued from a district court judge. Alimony – Again, a bankruptcy judge is not going to supersede an existing spousal support order issued from a district court judge. Keep in mind that a divorce decree, and all orders found within it, will supersede or take precedence over a bankruptcy. In other words, what you are ordered to do in the divorce…

One of the most frequently asked questions is; do I have to pay child support and if so, how much?  These are both valid questions and, for the most part, are issues in any divorce whether it is simple or complex.Child support; If in the divorce you are considered the non-custodial parent and you are employed, you will most likely be ordered to pay child support.  The question then becomes how much?  Determining the amount of child support you will be ordered to pay is simple.  The court requires that you and the other party provide it with pay stubs and tax returns to verify what your actual income is.  These verified numbers are taken to a state created calculator and are used by this calculator to determine the exact amount of support you will have to pay.  You can go to www.utcourts.gov to see the calculator and how it works.  If you or the other party is not currently employed the State of Utah will require that you claim as actual income at least minimum wage or $1,275.00 per month.Your child support payment can be paid directly to the other party or can be set up as a direct…