#orem utah lawyer

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The Function of Lawyers in Modern Culture: Supporters for Justice and Legal Professionals

Introduction to the Value of Legal Representatives in Society

Legal representatives play a vital duty in contemporary society, working as supporters for justice and lawful specialists. From safeguarding customers in courtrooms to supplying lawful advice and support, attorneys are vital in supporting the rule of law and making certain reasonable treatment for all individuals. With their thorough understanding of the legal system and experience in various areas of law, attorneys browse the complexities of the lawful landscape, safeguarding the civil liberties and passions of their customers. Whether it is a criminal case, a civil disagreement, or a company purchase, lawyers bring their skills, experience, and dedication to seek justice and solve conflicts.The Diverse Responsibilities and Responsibilities of Lawyers Attorneys assume several duties

and duties, depending upon their field of expertise and the demands of their clients. Lawbreaker defense lawyer, for example, are the protectors of those implicated of dedicating criminal activities, making certain that their clients receive a reasonable trial and safeguarding their legal rights throughout the lawful procedure. On the other hand, civil litigators stand for individuals and companies in non-criminal lawful disagreements, such as accident cases, contract disagreements, or family legislation matters. They give lawful recommendations, work out settlements, and, if needed, take situations to court to combat for their customers' rights.Moreover, attorneys are often associated with transactional matters, such as preparing contracts, working out service deals, and providing lawful assistance in estate preparation. They help people and services browse complicated legal files and make certain compliance with the regulation. Additionally, legal representatives likewise add to the advancement and improvement of the legal system by getting involved in legislative processes, forming legal plans, and supporting for adjustments that profit culture as a whole.In conclusion, legal representatives are essential in our society, working as advocates for justice and lawful experts. They protect the legal rights and passions of their clients, navigate complex lawful issues, and add to the development of a fair and simply legal system. Whether it remains in a courtroom, a negotiation table, or a legislative meeting, legal representatives play a vital role in promoting the rule of law and guaranteeing equivalent therapy and accessibility to justice for all.

Read more here Estate Planning for Business Asset Protection

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The Duty of Legal Representatives in Modern Society: Supporters for Justice and Legal Specialists

Introduction to the Importance of Legal Representatives in Society

Attorneys play an essential role in modern-day culture, serving as supporters for justice and legal experts. From protecting customers in court rooms to supplying legal recommendations and advice, legal representatives are vital in promoting the regulation of legislation and ensuring fair therapy for all people. With their in-depth understanding of the lawful system and knowledge in numerous locations of legislation, legal representatives browse the intricacies of the legal landscape, securing the rights and passions of their customers. Whether it is a criminal instance, a civil dispute, or a business purchase, lawyers bring their abilities, experience, and dedication to look for justice and settle conflicts.The Diverse Responsibilities and Responsibilities of Lawyers Legal representatives presume multiple roles

and responsibilities, depending on their specialization and the demands of their customers. Crook defense lawyer, for example, are the defenders of those implicated of dedicating criminal offenses, ensuring that their customers get a reasonable trial and shielding their legal rights throughout the legal process. On the other hand, civil litigators represent people and organizations in non-criminal legal conflicts, such as injury claims, contract conflicts, or family members legislation issues. They supply legal recommendations, discuss negotiations, and, if needed, take cases to court to eliminate for their customers' rights.Moreover, legal representatives are usually entailed in transactional matters, such as composing contracts, working out service deals, and offering legal support in estate planning. They help people and companies navigate intricate lawful papers and ensure conformity with the law. Additionally, legal representatives additionally add to the growth and enhancement of the lawful system by taking part in legal processes, shaping legal policies, and promoting for adjustments that profit society as a whole.In final thought, attorneys are vital in our culture, offering as supporters for justice and lawful professionals. They protect the legal rights and interests of their customers, navigate intricate lawful issues, and contribute to the growth of a fair and just legal system. Whether it remains in a court room, an arrangement table, or a legislative conference, attorneys play a crucial duty in supporting the regulation of law and making certain equal therapy and access to justice for all.

Read more here Estate Planning for Business Asset Protection

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The Duty of Legal Representatives in Modern Culture: Supporters for Justice and Legal Specialists

Intro to the Importance of Lawyers in Culture

Legal representatives play a critical role in modern-day society, acting as advocates for justice and lawful professionals. From defending clients in courts to providing legal advice and advice, lawyers are vital in maintaining the guideline of law and guaranteeing reasonable treatment for all people. With their thorough knowledge of the lawful system and competence in numerous areas of regulation, attorneys navigate the intricacies of the legal landscape, shielding the rights and interests of their clients. Whether it is a criminal instance, a civil conflict, or a service transaction, lawyers bring their skills, experience, and devotion to seek justice and settle conflicts.The Diverse Duties and Responsibilities of Lawyers Lawyers think multiple functions

and responsibilities, depending upon their field of expertise and the needs of their clients. Wrongdoer defense attorneys, for instance, are the defenders of those accused of dedicating criminal activities, guaranteeing that their clients obtain a fair test and protecting their rights throughout the legal process. On the various other hand, civil litigators represent people and companies in non-criminal legal disputes, such as personal injury insurance claims, agreement disputes, or family legislation matters. They provide lawful recommendations, work out settlements, and, if required, take instances to court to combat for their clients' rights.Moreover, legal representatives are commonly involved in transactional issues, such as composing contracts, discussing transaction, and giving legal support in estate preparation. They aid individuals and services navigate complex lawful papers and ensure conformity with the legislation. Furthermore, lawyers likewise contribute to the development and enhancement of the lawful system by joining legislative processes, shaping legal plans, and supporting for changes that benefit culture as a whole.In verdict, lawyers are essential in our society, working as supporters for justice and lawful specialists. They secure the rights and passions of their customers, navigate intricate lawful issues, and add to the advancement of a fair and simply lawful system. Whether it is in a court room, a negotiation table, or a legislative conference, lawyers play an important role in promoting the rule of legislation and ensuring equal treatment and access to justice for all.

Read more here Estate Planning for Business Asset Protection

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The Duty of Legal Representatives in Modern Culture: Supporters for Justice and Legal Experts

Intro to the Value of Attorneys in Society

Legal representatives play a crucial duty in modern-day society, offering as advocates for justice and lawful specialists. From safeguarding clients in courts to providing lawful advice and advice, lawyers are vital in supporting the rule of regulation and ensuring reasonable therapy for all people. With their extensive understanding of the lawful system and know-how in different locations of legislation, lawyers navigate the intricacies of the lawful landscape, protecting the rights and rate of interests of their customers. Whether it is a criminal instance, a civil disagreement, or a business purchase, legal representatives bring their abilities, experience, and devotion to look for justice and fix conflicts.The Diverse Roles and Responsibilities of Attorneys Attorneys presume several functions

and obligations, relying on their expertise and the demands of their clients. Bad guy defense lawyers, for instance, are the defenders of those implicated of dedicating crimes, making sure that their clients receive a fair test and protecting their rights throughout the legal process. On the other hand, civil litigators stand for people and organizations in non-criminal lawful disputes, such as accident cases, contract disputes, or household regulation matters. They give lawful advice, work out negotiations, and, if necessary, take situations to court to eliminate for their customers' rights.Moreover, lawyers are usually associated with transactional issues, such as drafting contracts, discussing transaction, and supplying legal support in estate preparation. They help people and businesses navigate complicated lawful files and guarantee conformity with the legislation. Additionally, lawyers additionally add to the growth and enhancement of the lawful system by taking part in legislative procedures, shaping legal plans, and supporting for modifications that benefit culture as a whole.In final thought, lawyers are important in our culture, acting as supporters for justice and lawful specialists. They secure the civil liberties and passions of their clients, navigate complicated legal issues, and add to the growth of a fair and simply legal system. Whether it remains in a court room, a negotiation table, or a legislative meeting, attorneys play a vital function in maintaining the guideline of legislation and guaranteeing equivalent treatment and access to justice for all.

Read more here Estate Planning for Business Asset Protection

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Sole Proprietor Business For Chapter 7 Bankruptcy

Can a sole proprietor business file for chapter 7 bankruptcy?

Yes, a sole proprietor business can file for Chapter 7 bankruptcy. This type of bankruptcy is also known as a "liquidation" because it involves selling the debtor's assets to pay off creditors. Here is some more information about Chapter 7 bankruptcy for sole proprietor businesses:

Eligibility

In order to be eligible for Chapter 7 bankruptcy, the sole proprietor business must pass a "means test." This test looks at the business's income and expenses to determine whether it can afford to pay off its debts through a Chapter 13 repayment plan. If the business cannot afford a repayment plan, it may be eligible for Chapter 7 bankruptcy.

Process

The process for a sole proprietor business to file for Chapter 7 bankruptcy is similar to the process for an individual to file for bankruptcy. The business owner must gather financial information, complete bankruptcy forms, and attend a meeting with the bankruptcy trustee. The trustee will review the business's assets and debts and may sell some of the assets to pay off the creditors.

Impact on the Business

Filing for Chapter 7 bankruptcy can have significant consequences for a sole proprietor business. The business will likely have to close, and the owner may lose all of their business assets. In addition, the business owner's personal assets may be at risk, depending on the state in which they live.

Overall, Chapter 7 bankruptcy can be a difficult but necessary decision for a sole proprietor business that is unable to pay off its debts. It is important to consult with a bankruptcy attorney to understand this type of bankruptcy's potential risks and benefits.

Bankruptcy Attorney Free Consultation

If you are looking for a legal advice about bankruptcy law or in need an attorney, call this law firm for free consultation. We have the Best Attorneys in Utah.

Ascent Law LLC

8833 S Redwood Road Suite C

West Jordan UT 84088

(801) 676-5506

https://www.ascentlawfirm.com

http://dailypersonalinjurylawyerutah.com/sole-proprietor-business-for-chapter-7-bankruptcy/

Disclaimer: This is not legal advice and is simply an answer to a question and that if legal advice is sought to contact a licensed attorney in the appropriate jurisdiction.

[madisonsmithutah]

Limitations of an Estate Plan

Is there anything that cannot be covered in an estate plan?

An estate plan is a legal document that outlines how an individual's assets and property will be distributed. After they pass away, it can also include provisions for financial and medical decision-making in the event that the individual becomes incapacitated. While an estate plan can cover a wide range of topics and situations, there are some things that it cannot address.

Limitations of an Estate Plan

One of the main limitations of an estate plan is that it cannot override certain laws and regulations. For example, certain types of property, such as certain retirement accounts, may be subject to specific rules governing how they must be distributed. An estate plan cannot change these rules or override them.

Additionally, an estate plan cannot address certain personal matters or disputes arising after an individual's death. For example, if a family member feels that they were unfairly left out of the estate plan, they may be able to challenge it in court. While an estate plan can provide guidance and instructions, it cannot prevent disputes from arising or resolve them.

Furthermore, an estate plan cannot provide for the care and support of a person's pets. While an individual can make arrangements to care for their pets after they pass away, such arrangements are not legally enforceable and are not considered part of an estate plan.

In conclusion, while an estate plan can provide a comprehensive and flexible framework for managing an individual's assets and property, it has limitations and cannot address every possible situation. It is important for individuals to understand these limitations and to consult with an experienced attorney when creating their estate plan.

Estate Plan Attorney Free Consultation In Utah

If you need legal help, call this law firm and talk with our experienced attorneys about estate planning for a FREE consultation.

We help you with Estate Planning, Wills, Trusts, Power of Attorney, Health Care Directive, Estate Administration, Probate and More

Parklin Law - Estate Planning

5772 W 8030 S, # N206

West Jordan UT 84081

(801) 618-0699

40.605070, -112.027530

Disclaimer: This is not legal advice and is simply an answer to a question and that if legal advice is sought to contact a licensed attorney in the appropriate jurisdiction.

[beardedmrbean]

SALT LAKE CITY (AP) — A man accused of faking his death and fleeing the U.S. to avoid rape charges in Utah denied at a court appearance Tuesday that he is the suspect and, in an apparent British accent, called allegations that he wasn't giving his true name “complete hearsay."

Nicholas Rossi, whose legal name is Nicholas Alahverdian, is charged with the rape of a 21-year-old woman in Orem, Utah, in 2008, prosecutors said. He wasn't identified as a suspect until about a decade later due to a backlog of DNA test kits at the Utah State Crime Lab.

Rossi, 36, was extradited from Scotland earlier this month. He identified himself Tuesday as Arthur Knight Brown and gave a birthdate in British English — listing the day first, followed by the month and year — that is different from Rossi's, KSTU-TV reported.

He appeared from jail via video wearing an oxygen mask and did not enter a plea at the initial court appearance. He was difficult to understand at times and had to lift up the mask to be heard.

Deputy Salt Lake County attorney Tamara Basuez said Rossi has not admitted his name or birthdate since he returned to Utah.

“Objection, my lady, that is complete hearsay,” Rossi told the judge.

Rossi is jailed without the possibility of posting bail in the Orem case. The judge set a detention hearing for Jan. 26.

The judge said a lawyer would be appointed for Rossi. He said he has one, but that the attorney did not receive notice of Tuesday's hearing.

Rossi, who grew up in foster homes in Rhode Island, made a name for himself there as a vocal critic of the state’s Department of Children, Youth and Families.

Four years ago, he told media in Rhode Island that he had late-stage non-Hodgkin lymphoma and had weeks to live. An obituary published online claimed he died Feb. 29, 2020.

He used at least 10 different aliases over the years, prosecutors said.

Authorities said his run from the law ended when he was arrested in December 2021 after being recognized by someone at a Glasgow, Scotland, hospital while he was being treated for COVID-19. He insisted he was an Irish orphan named Arthur Knight and had never set foot on American soil.

The man had said he was framed by authorities who took his fingerprints while he was in a coma so they could connect him to Rossi. He has repeatedly appeared in court in a wheelchair, using an oxygen mask and speaking with the apparent British accent.

After a protracted court battle, Judge Norman McFadyen of Edinburgh Sheriff Court ruled in August that the extradition could move forward. The judge called Rossi “as dishonest and deceitful as he is evasive and manipulative.”

[utahpersonalinjurylawyers]

Best Places for Shopping in Utah

Utah, renowned for its breathtaking landscapes and outdoor recreational opportunities, also boasts a vibrant shopping scene that caters to a diverse range of tastes and preferences. From bustling urban centers to charming boutiques in historic towns, the state offers an array of shopping destinations that are sure to delight both locals and visitors. Whether you're searching for high-end fashion, unique artisanal crafts, or locally sourced goods, Utah has something for everyone. Here are some of the best places for shopping in the state:

City Creek Center - Salt Lake City

Nestled in the heart of downtown Salt Lake City, City Creek Center offers a premium shopping experience. This outdoor shopping complex combines the charm of a pedestrian-friendly environment with a wide range of retailers, from luxury brands to popular chain stores. Visitors can stroll through beautifully landscaped walkways, enjoy an eclectic mix of dining options, and explore flagship stores like Nordstrom and Macy's.

Trolley Square - Salt Lake City

For a more eclectic and historic shopping experience, Trolley Square is a must-visit. Housed in a former trolley barn, this shopping center features a mix of boutiques, specialty shops, and art galleries. It's a hub for unique finds, local artwork, and one-of-a-kind gifts.

Park City's Main Street

Park City, known for its world-class ski resorts, also offers a charming shopping district along Main Street. This iconic destination is dotted with boutiques, art galleries, and specialty shops. Visitors can discover Western wear, fine jewelry, and an array of souvenirs. The town's vibrant atmosphere and stunning mountain views add to the allure of the shopping experience.

Gardner Village - West Jordan

Step back in time at Gardner Village, a shopping destination with a rustic, historic charm. Set amidst beautifully preserved buildings, this village features boutique shops offering antiques, home decor, and artisanal goods. It's a delightful place to explore, especially for those who appreciate a touch of nostalgia.

University Mall - Orem

Catering to shoppers in Utah County, University Mall is a popular retail destination with a wide range of stores and dining options. It's a family-friendly location with major retailers and smaller boutiques, making it a one-stop destination for all your shopping needs.

Making the most of the shopping experience in Utah is not possible when you have personal injury law matters. This is where Utah Personal Injury Lawyers steps in. The group is a collection of the best available attorneys to make things right and help you through a difficult time. The group has a solid partnership with a reliable personal injury Attorney Utah.

Contact us

Moxie Law Group Personal Injury Lawyer

2100 W Pleasant Grove Blvd 450 B, Pleasant Grove, UT 84062

Phone: (801) 599-0691

Map Driving Directions

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84097 Attorneys

When it comes to 84097 Attorneys, you should call Ascent Law LLC (801) 676-5506 for your Free Consultation.

We can help you with:

Estate Planning Lawyer

Bankruptcy Lawyer

Probate Lawyer

Trial Lawyer

Real Estate Lawyer

Injury Lawyer

Family Lawyer

Tax Lawyer

Contract Lawyer

Securities Lawyer

Copyright Lawyer

MLM Lawyer

Intellectual Property Lawyer

Business Lawyer

Criminal Lawyer

Divorce Lawyer

Child Custody Lawyer

Appeals Lawyer

If you want to check out other attorneys, here is a list of lawyers and paralegal services that we were able to locate. Please keep in mind that we do not constantly update this page and some of the information may be outdated or incorrect.

• Clarkson & Associates, LLC 1240 E 100 S #222 Kanab, UT 84790 • Sadler Cindy M Attorney 3770 Viking Road Salt Lake City, UT 84109 • Phillips Randall G Attorney 2510 Washington Blvd. Suite 200 Ogden, UT 84403 • Roy B Moore PC & Associates 428 E Winchester St Salt Lake City, UT 84107 • Roberts J Val Attorney 48 E 400 S Bountiful, UT 84010 • Holman & Walker 9537 S 700 E Sandy, UT 84070 • Snow Ryan Attorney 9657 Vance Ct South Jordan, UT 84095 • America’s Capital 631 W North Temple Salt Lake City, UT 84116 • Bishop Lee Attorney 4700 S 900 E Salt Lake City, UT 84117 • Aaronson Grand 19 W Main St, #28 Vernal, UT 84078 • The Bankruptcy Center 36 E 400 N Provo, UT 84606 • Klc Thomas J Attorney 4725 Holladay Blvd, Ste 110 Salt Lake City, UT 84117 • Flint Edward Attorney 7190 S State St Midvale, UT 84047 • Legal Benefits 44 E St Salt Lake City, UT 84103 • Davis Elmer Thomas Jr Attorney 1181 Chandler Dr Salt Lake City, UT 84103 • Washburn Kimberly D Attorney 405 E 12450 S Draper, UT 84020 • Buchi Mark K Attorney 299 S Main St, Ste 1800 Salt Lake City, UT 84111

• Chiara Keith H 98 N 400 E Price, UT 84501 • De Jonge Nicolaas Attorney 4212 Highland Dr Salt Lake City, UT 84124 • Allred David M PC 26 E Main St Castle Dale, UT 84513 • Newtxt Inc 40 S 600 E Salt Lake City, UT 84102 • Loveridge Michael R Attorney 262 E 3900 S, Ste 209 Salt Lake City, UT 84107 • Olsen Skoubye & Nielson LLC 45 W Sego Lily Dr, Ste 300 Sandy, UT 84070 • Laker Stephen A Attorney 2568 Washington Blvd Ogden, UT 84401 • ARIC Cramer Attorney at Law 845 S Main St Bountiful, UT 84010 • Greg Ericksen Attorney at Law 1065 W 500 S Woods Cross, UT 84087 • Cummings Craig S Attorney 50 S 700 E, #4001 Salt Lake City, UT 84102 • Uresk Roland PC 47 S Main St Roosevelt, UT 84066 • Slaugh Franklin L 880 E 9400 S, #103 Sandy, UT 84094 • Brown George E Jr Attorney at Law 6 W Main St American Fork, UT 84003 • Lord- Robert L Attorney 2029 Highland View Cir Salt Lake City, UT 84109 • Robbins L Edward Attorney 190 W Center St Kanab, UT 84741 • Thompson Roger H Attorney 111 E Broadway Salt Lake City, UT 84111 • Mansfield Corporation 11075 S State St Sandy, UT 84070 • Credit Attorney 555 E 1860 S Provo, UT 84606 • Ward David R Attorney 4543 S 700 E Salt Lake City, UT 84107 • Bankruptcy Law Professionals 111 E Broadway, Suite 340 Salt Lake City, UT 84111 • Ferre L Mark Attorney 1366 Murray Holladay Rd Salt Lake City, UT 84117

• Ball J Spencer Attorney 7109 Highland Dr, #201 Salt Lake City, UT 84121 • Gotthard John CPA ESQ 2078 Prospector Ave Park City, UT 84060 • Robert J Fuller Attorney at Law 1090 N 5900 E Eden, UT 84310 • L G Cutler 1415 Skyview Dr Salt Lake City, UT 84124 • Neeley Douglas L Attorney 1 S Main St, Ste 205 Manti, UT 84642 • Perkins D Kendall Attorney 2417 Cliff Swallow Dr Sandy, UT 84093 • Quick Records Professional 147 Election Rd, Ste 200 Draper, UT 84020 • Wilde- Robert H. Attorney P.O. Box 71922 Salt Lake City, UT 84121 • Fadel George Attorney 170 W 400 S Bountiful, UT 84010 • Gravis Martin V 2562 Washington Blvd Ogden, UT 84401 • Roybal Frank A Attorney 442 N Main St Bountiful, UT 84010 • Buividas Alan J Attorney 107 N Main St Bountiful, UT 84010 • Hulse Loren R Attorney 15 W South Temple Salt Lake City, UT 84101 • Lybbert Steve Attorney 7069 Highland Dr Salt Lake City, UT 84121 • Winesett- Nathan S. Attorney 8180 S 700 E, #200 Sandy, UT 84070 • Vincent- Craig T. Attorney 333 N 300 W Salt Lake City, UT 84103 • Doncouse Law Firm P.C. 2411 Kiesel Ave Ogden, UT 84401 • Davis Scott B Attorney 863 25th St Ogden, UT 84401 • Roylance- Bradley N. Attorney 175 S Main St, #1100 Salt Lake City, UT 84111 • Slemboski James E Attorney 32 E 100 S #203 Kanab, UT 84770 • Dangerfield Joel R Attorney 9 Exchange Pl, Ste 1123 Salt Lake City, UT 84111

• Berrett Joel D 58 E 100 N Roosevelt, UT 84066 • Jones Gilliam & Burr 853 W Center St Orem, UT 84057 • Huang Rex H 8148 Highland Dr Salt Lake City, UT 84121 • Winegar Todd Attorney 523 Cambridge Cir Salt Lake City, UT 84103 • Awerkamp E Scott 37 W 1070 S #102 Kanab, UT 84770 • Winters Donald W Attorney at Law 375 E 790 S Pleasant Grove, UT 84062 • Lundberg & Associates 3269 S Main St, Ste 100 Salt Lake City, UT 84115 • Bertch Daniel F Attorney 1996 E 6400 S Salt Lake City, UT 84121 • Schmutz Mohlman & Rohbock Attorneys at Law 533 W 2600 S Bountiful, UT 84010 • Perry Malmberg & Perry 99 N Main St Logan, UT 84321 • Brinton- Robert L Attorney 675 E 2100 S Salt Lake City, UT 84106 • Flitton John S Attorney at Law 1840 Sun Peak Dr Park City, UT 84098 • Kruse Landa Maycock & Ricks LLC 50 W Broadway, #300 Salt Lake City, UT 84101 • Neilson Lenard Attorney 8160 Highland Dr, #209 Sandy, UT 84093 • Fonnesbeck Christian S 215 A St Salt Lake City, UT 84103 • Jason P Eves Attorney at Law 3055 N 1300 E Layton, UT 84040 • Henriod Joseph L Attorney 2262 E 1700 S Salt Lake City, UT 84108 • Cummings- John Attorney 3856 Washington Blvd Ogden, UT 84403 • Stewart Timothy 3761 S 700 E Salt Lake City, UT 84106 • Bown Edward M Attorney 1015 E 3900 S Salt Lake City, UT 84124 • Goldstein Janet A Attorney 5077 Silver Springs Rd Park City, UT 84098 • Olsen Justin R PC 45 W Sego Lily Dr, #307 Sandy, UT 84070 • Security Title Insurance Agency of Utah Inc 376 E 400 S Salt Lake City, UT 84111 • Clark Carlos Attorney 1640 W 500 S Salt Lake City, UT 84104 • Ziter James Cattorney at Law 3760 Highland Dr, #500 Salt Lake City, UT 84106 • AF Attorney-Lebaron Law Offices 802 Bamberger Dr American Fork, UT 84003 • Bankruptcy Attorney 5595 S Redwood Rd Salt Lake City, UT 84123

• Kirk Paul Alma Attorney 125 E 300 S Provo, UT 84606 • Robert Henry Copier 17 E 400 S Salt Lake City, UT 84111 • Shand Bruce W Attorney 4505 Wasatch Blvd, #340 Salt Lake City, UT 84124 • Rudd Jonathan Attorney 392 E 12300 S Draper, UT 84020 • Halliday Paul M Attorney – Halliday Paul M 3986 Lares Way Salt Lake City, UT 84124 • A Better Choice 140 W 9000 S Sandy, UT 84070 • Paulsen Ted B Attorney 9350 S 150 E Sandy, UT 84070 • Jackson J Bryan Attorney 97 N Main St Cedar City, UT 84720 • Law Office of Ron J Kramer 11576 S State St, #501 Draper, UT 84020 • Deboer Gordon W Attorney at Law 69 Thaynes Canyon Dr Park City, UT 84060 • Atkin J Ralph Attorney 1240 E 100 S #10 Kanab, UT 84790 • Harmond George M Jr Attorney 1198 W 1500 N Price, UT 84501 • Jones Tom Criminal Attorney 211 E Broadway Salt Lake City, UT 84111 • Ellis Dean B Attorney 3600 Market St, Ste 101 Salt Lake City, UT 84119 • Egan- Sean N. Attorney 136 S Main St, #408 Salt Lake City, UT 84101 • Skeen Richard C Attorney 201 S Main St, Ste 1100 Salt Lake City, UT 84111 • Fishburn Bryan Attorney 4505 Wasatch Blvd Salt Lake City, UT 84124 • Professional Offices 5450 Green St Salt Lake City, UT 84123 • McBride Edward W Attorney 2749 Parleys Way, #300 Salt Lake City, UT 84109 • Utah Bankruptcy Professionals P C 9217 S 1300 E Sandy, UT 84094 • Bucher John R Attorney 957 1st Ave Salt Lake City, UT 84103 • Bartholomew WYNN 5505 S 900 E Salt Lake City, UT 84117 • Feil Randall S Attorney 3748 Bountiful Blvd Bountiful, UT 84010 • Jaenish Michael Attorney 150 S 600 E Salt Lake City, UT 84102 • Havas David Bert 533 26th St, Ste 100 Ogden, UT 84401 • Larry Long Attorney 350 W Broadway Salt Lake City, UT 84101 • Schlopy Max PC Attorney 3429 Saddleback Rd Park City, UT 84098 • Multi Cultural Legal Center 205 N 400 W Salt Lake City, UT 84103 • Phinney Law Firm 1055 S 545 E Orem, UT 84097 • Schwab & Hardcastle LLC 225 S 200 W Farmington, UT 84025 • Larsen & Rammell Attorneys at Law 3600 S Market St, #100 Salt Lake City, UT 84119 • Anderson- L Robert Attorney 17 Blue Mountain Dr Monticello, UT 84535 • Pearce Brett Attorney 1218 W South Jordan Pky South Jordan, UT 84095 • Jamis Johnson Johnson & Associates 352 Denver St Salt Lake City, UT 84111 • John C Heath Attorney at Law PLLC 634 S 400 W Salt Lake City, UT 84101 • Legalees 556 E 1400 S Orem, UT 84097 • Robert J Debry and Associates 4252 S 700 E Salt Lake City, UT 84107 • Kipp Blake P Attorney 825 E 4800 S, Ste 133 Salt Lake City, UT 84107 • Second Opinion Executive Business Assistance Po Box 11586 Salt Lake City, UT 84147 • McGee Mary Paxman 1855 Brookhill Dr Salt Lake City, UT 84121 • Cragun Dan Law Offices Of 2608 Washington Blvd Ogden, UT 84401 • Karlin Myers Attorney 60 N 100 W St Kanab, UT 84770 • Bullock- Clinton J Attorney 353 E Broadway Salt Lake City, UT 84111 • King Samuel Attorney 3189 Joyce Dr Salt Lake City, UT 84109 • Parry Edwin Attorney 3782 W 2340 S Salt Lake City, UT 84120 • Pre-Paid Legal Independent Associate 15366 Silverpoint Cir Bluffdale, UT 84065 • Woolley Chad L Attorney at Law 78 E 100 S Payson, UT 84651 • Rose Reilly Attorney at Law 81 N 300 E Moab, UT 84532 • Adams Stanley Attorney at Law 680 E 600 S Salt Lake City, UT 84102 • Buckley John W Attorney at Law 3311 N University Ave Provo, UT 84604 • Swindler & Co. 1743 Horizon View Ct Draper, UT 84020 • Mangum & Holt 251 W Main St Vernal, UT 84078 • Matthews- Elaine Moore Attorney 649 Mi Vida Dr Moab, UT 84532 • Law Office of David Pedrazas 4001 S 700 E, #500 Salt Lake City, UT 84107 • Hughes & Morley Law Practice Attorney 21 E 300 N Spanish Fork, UT 84660 • Roth Linda L W Attorney 215 S State St, #800 Salt Lake City, UT 84111 • Chacon Solomon Attorney 945 E 100 S Salt Lake City, UT 84102 • Martin Mel S Attorney 5286 Commerce Dr Salt Lake City, UT 84107 • Fund Raising Counsel Inc Po Box 58605 Salt Lake City, UT 84158 • Adams William H Attorney 170 S Main St, Ste 1125 Salt Lake City, UT 84101 • Davies Christopher A Attorney 7651 Main St, #107 Midvale, UT 84047 • A Plus Accident & Injury Attorney 290 25th St, Ste 204 Ogden, UT 84401 • Macfarlane Grant Attorney 35 50 E Coalville, UT 84017 • Alpine Residential Mortgage LLC 141 E 5600 S Salt Lake City, UT 84107 • Gubler Scott A Attorney 1414 E 3850 S St George, UT 84790 • Law Office of Stephen Elggren 7390 Creek Rd, #201 Sandy, UT 84047 • Shaggy’s Living Room 155 W 200 S Salt Lake City, UT 84101 • Morrison Heather E Attorney 4276 Highland Dr Salt Lake City, UT 84124 • Frazier Law Firm PC 11778 Election Rd Draper, UT 84020 • Daniels Scott Attorney Po Box 521328 Salt Lake City, UT 84152 • John H Jacobs PC 75 N Center St American Fork, UT 84003 • Vance Ronald N Attorney 57 W 200 S, Suite 310 Salt Lake City, UT 84101 • Argue Pearson Harbison & Myers- LLP 10 W Broadway, #500 Salt Lake City, UT 84101 • Bouwhuis Michael Attorney 2564 Washington Blvd Ogden, UT 84401 • ABC 4 News Southern Utah Bureau 205 E Tabernacle St St George, UT 84770 • Family Law Practice 150 S 600 E, #8c Salt Lake City, UT 84102 • Berry & Tripp P C 1150 S Bluff St, #8 St George, UT 84770 • Stratton Keven 1313 E 800 N Orem, UT 84097 • Nakamura Blake A LLC 142 E 200 S Salt Lake City, UT 84111 • Essig Fred D Attorney 36 S State St, Ste 1250 Salt Lake City, UT 84111 • Hanna Charles Attorney 311 S State St, Ste 450 Salt Lake City, UT 84111 • Peterson & Simpson 2115 Dallin St Salt Lake City, UT 84109 • SMAY E Craig Attorney 174 E South Temple St Salt Lake City, UT 84111 • Allen- Randall C. Attorney 415 N Main St, #303 Cedar City, UT 84721 • Gould Mark H Attorney 1050 E 3300 S Salt Lake City, UT 84106 • Steffensen David W Attorney 448 E Winchester St Salt Lake City, UT 84107 • Barton-Coombs Cindy Attorney 193 N State St Roosevelt, UT 84066 • Lindberg Neil 13692 Hackamore Dr Draper, UT 84020 • Dodenbier Robert F Law Offices Of 12357 S 450 E Draper, UT 84020 • Hoskins Katherine Attorney 857 Meadow Way Dr Layton, UT 84041 • Hillyard Anderson & Olsen Attorneys 175 E 100 N Logan, UT 84321 • Richman & Richman LLC 60 S 600 E, #100 Salt Lake City, UT 84102 • Noyes Ron Attorney 746 E 1910 S Provo, UT 84606 • Jensen Michael R Attorney at Law 90 W 100 N Price, UT 84501 • Peck Elizabeth M 134 S 700 W Salt Lake City, UT 84104 • Thomas Tax & Law 220 Morris Ave Salt Lake City, UT 84115 • H Otco 4516 Mathews Way Salt Lake City, UT 84124 • EDER Robert Jr Attorney at Law 565 E 4500 S Salt Lake City, UT 84107 • Dunn Clifford V Attorney 170 N 400 E St George, UT 84770 • LY VINH K 2900 S State St, Ste 208 Salt Lake City, UT 84115 • Taylor Jay W Attorney 8160 Highland Drive Ofc Sandy, UT 84093 • Novak Joseph Attorney 960 Donner Way Salt Lake City, UT 84108 • Redd F Bennion Attorney 132 S Main St Monticello, UT 84535 • Warner Frank S Attorney 3564 Lincoln Ave Ogden, UT 84401 • D’Elia & Lehmer 7620 Royal St Park City, UT 84060 • Harmon Milton T Attorney 36 S Main St Nephi, UT 84648 • Saunders & Saunders Attorneys 401 Main St Park City, UT 84060 • G Eric Nielson & Associates 4790 Holladay Blvd Salt Lake City, UT 84117 • Holmes Douglas J Attorney 274 25th St Ogden, UT 84401 • Utah Valley Patent Svc 846 S 1350 E Provo, UT 84606 • Vanwagenen Michael Attorney at Law Esquire 1505 S Redwood Rd Salt Lake City, UT 84104 • Harris L James Jr Attorney 214 E 500 S Salt Lake City, UT 84111 • Carver David Ray Attorney 93 S Main St Kaysville, UT 84037 • Grant & Grant PC 420 E South Temple St Salt Lake City, UT 84111 • Thomas Jonathan P 31 Federal Ave Logan, UT 84321 • Hawkins Boyd J Attorney 459 N 300 W Kaysville, UT 84037 • Magid Sydney Jayne Attorney 136 S Main St #820 Salt Lake City, UT 84101 • BEUS Edwin H Attorney at Law 1440 Granada Dr Sandy, UT 84093 • Snow Legal Centers 105 E State Rd Pleasant Grove, UT 84062 • Guglielmo Paul Attorney 68 S Main St Salt Lake City, UT 84101 • Utah Legal Services 893 24th St Ogden, UT 84401 • Fairbourn Clayton Attorney 7321 S State St Midvale, UT 84047 • Carolyn Attorney at Law Degroff 24 N Main St Kanab, UT 84741 • McHenry Samuel Attorney 672 E Vine St Salt Lake City, UT 84107 • Fisher Darwin Law Office 40 N 300 E St George, UT 84770 • Jensen Jonathan K Attorney 4849 S State St Murray, UT 84107 • Jaussi Clair J Attorney at Law 350 E Center St, Ste 2 Provo, UT 84606 • Meyers Oliver K Attorney 265 E 100 S, #300 Salt Lake City, UT 84111 • Sackett Gary G Attorney 180 East 100 South Salt Lake City, UT 84139 • Ormond William R Attorney 3354 Harrison Blvd Ogden, UT 84403 • Besendorfer Mark Attorney 942 E North Union Ave Midvale, UT 84047 • ZOLL & Tycksen LC Attorneys at Law 5300 S Green St, #360 Murray, UT 84123 • Savage J Bruce Jr Attorney at Law 1821 Sidewinder Dr Park City, UT 84060 • Brown Don Attorney Courthouse Richfield, UT 84701 • Mathews Dennis Attorney 55 N Main St Logan, UT 84321 • Lewis Kay M Attorney 320 S 300 E Salt Lake City, UT 84111 • Carmicheal Larrie Attorney 975 E 6600 S Ogden, UT 84405 • Wall & Wall Attorney 5200 Highland Dr Salt Lake City, UT 84117 • Moffat Stephen Attorney 452 E 3900 S Salt Lake City, UT 84107 • All-Search & Inspection Inc 1108 E South Union Ave Midvale, UT 84047 • Don R. Schow Attorney at Law 4059 S 4000 W West Valley City, UT 84120 • Christensen Steve S Attorney 136 E South Temple St Salt Lake City, UT 84111 • Taylor Margret Sidwell Attorney 147 S Main St Helper, UT 84526 • Cannon- Karl R. Attorney 1225 Fort Union Blvd, #300 Cottonwood Heights, UT 84121 • Berry Andrew B Attorney 35 W Main St Mt Pleasant, UT 84647 • Chrystler Gary L Attorney 363 N University Ave Provo, UT 84601 • Maw- Barbara L. Attorney 515 E 100 S, #525 Salt Lake City, UT 84102 • Jones Kyle W Attorney 36 S State St, Ste 1200 Salt Lake City, UT 84111 • Homer Stephen G Attorney 9225 S Redwood Rd West Jordan, UT 84088 • Jacques Bruce A Attorney 3194 S 1100 E Salt Lake City, UT 84106 • King- Brian S. Attorney 336 S 300 E, #200 Salt Lake City, UT 84111 • Beshear Law Center 2679 Builders Dr Salt Lake City, UT 84118 • Beecroft Joseph N Attorney 2655 Hillside Pines Cir Salt Lake City, UT 84109 • Cook David S Attorney 85 W 400 S Bountiful, UT 84010 • Dew Lindsey Phillip Attorney 7660 Holden St Midvale, UT 84047 • Rouse Morna Bowman Attorney at Law Po Box 369 Park City, UT 84060 • Laurence Arthur Bruce National 621 S 1360 W Logan, UT 84321 • Gardner Development 4120 Highland Dr, Ste 100 Salt Lake City, UT 84124 • Rasmussen Thomas V 4659 Highland Dr Salt Lake City, UT 84117 • Brown- Jennifer A. Attorney 136 S Main St Salt Lake City, UT 84101 • Hines Dane L Attorney 524 W 300 N #103 Provo, UT 84601 • Bailey Steven R Attorney 2454 Washington Blvd Ogden, UT 84401 • Cutler Nicholas W 265 E 100 S, Ste 250 Salt Lake City, UT 84111 • Daines Chris Lawyer 135 N Main St Logan, UT 84321 • Jackman Frederick A 1327 S 800 E, Ste 110 Orem, UT 84097 • Palmer L Paul Attorney 3646 Wendell Dr Salt Lake City, UT 84115 • Liapis & Gray LC 175 W 200 S Salt Lake City, UT 84101 • Public Defender OFC – Felony Division- Misdemeanor Division 424 E 500 S, Ste 300 Salt Lake City, UT 84111 • Hutchison Richard C Attorney 111 W 200 S Farmington, UT 84025 • Hatch Denton M PC 128 W 900 N Spanish Fork, UT 84660 • Lunt- Larry V Attorney 275 E South Temple St Salt Lake City, UT 84111 • Boley Mikel M Attorney 3535 S 3200 W Salt Lake City, UT 84119 • Bearnson & Peck LC 74 W 100 N Logan, UT 84321 • Tina Lefgren Attorney 200 W Parrish Ln Centerville, UT 84014 • Spratling Ronald N Jr Attorney 2020 Murray Holladay Rd Salt Lake City, UT 84117 • Janerich Dwight Attorney at Law 4764 S 900 E Salt Lake City, UT 84117 • County of Salt Lake – Aging Services-Administration- Legal Services 205 W 400 S Salt Lake City, UT 84101 • Taylor- Nolan S. Attorney 170 S Main St, #900 Salt Lake City, UT 84101 • Henrie Gary R Attorney 1200 S State St, #215 Salt Lake City, UT 84111 • Herron Nathan V Attorney 935 E South Union Ave Midvale, UT 84047 • Hartman Eric P Attorney 2558 Wilshire Cir Salt Lake City, UT 84109 • Utah Legal Services Inc 965 S Main St, #3 Cedar City, UT 84720 • Law Student 2052 Wilmington Ave Salt Lake City, UT 84109 • Lange Jennifer L Attorney 60 E South Temple St, #1270 Salt Lake City, UT 84111 • Lundgren Alvin R Attorney 5015 Old Highway Rd Morgan, UT 84050 • Hamilton Keith N Attorney at Law 10168 S Redwood Rd South Jordan, UT 84095 • Dixon Truman Bangerter & Fisher 192 E 200 N #203 Kanab, UT 84770 • J Franklin Allred P C 4047 Highway 36 Tooele, UT 84074 • Hatch Joseph E Attorney 5295 Commerce Dr Salt Lake City, UT 84107 • Watkins Kevin Attorney 3 Triad Centre Salt Lake City, UT 84180 • Archuleta Robert M 333 Denver St Salt Lake City, UT 84111 • Wansker- Henry B. Attorney 4543 S 700 E, Ste 101 Salt Lake City, UT 84107 • Millard County – Attorney Po Box 545 Delta, UT 84624 • Speciale George H Attorney 39 Exchange Pl, #200 Salt Lake City, UT 84111 • Boyer Associates LLC 2545 N Canyon Rd Provo, UT 84604 • Gregersen Mark J Attorney 3855 S 500 W Salt Lake City, UT 84115 • Card Scott Attorney 39 W 300 N Provo, UT 84601 • Frandsen Richard B Attorney 7109 Highland Dr, Ste 204 Salt Lake City, UT 84121 • Marshall- Ward S. Attorney 135 N 900 E #5 Kanab, UT 84770 • JAX H Pettey Attorney at Law 9488 Union Sq Sandy, UT 84070 • Bartlett & Webster A PC Attorneys 5093 S 1500 W Ogden, UT 84405 • Johnson David W Attorney at Law 301 W 5400 S, #104 Murray, UT 84107 • Holdsworth David J 9125 Monroe St Sandy, UT 84070 • Clayton Grant R Pat Attorney 10117 S 2165 E Sandy, UT 84092 • Walstad & Babcock 57 W South Temple, Fl 8th Salt Lake City, UT 84101 • Fisher- Kulaniakea Attorney 10653 S River Front Pky, #150 South Jordan, UT 84095 • Urry Pamela C Attorney 136 S Main St, #221 Salt Lake City, UT 84101 • Weber County Public Defenders Association 2568 Washington Blvd, Ste 203 Ogden, UT 84401 • Rick S Lundell PC 136 S Main St, #200a Salt Lake City, UT 84101 • Johnson Blain Attorney at Law 3434 Washington Blvd Ogden, UT 84401 • Walsh John Attorney at Law 2319 Foothill Dr, Ste 270 Salt Lake City, UT 84109 • Roundy Thor B Attorney 448 E 400 S Salt Lake City, UT 84111 • Neff R Bradley Attorney 9730 S 700 E Sandy, UT 84070 • Friel David Attorney 2875 Decker Lake Dr Salt Lake City, UT 84119 • Carr & Waddoups 8 E Broadway, Ste 609 Salt Lake City, UT 84111 • Rushton Kenneth A Attorney 99 W Main St, Ste 208 Lehi, UT 84043 • Packard Packard & Johnson 2795 E Cottonwood Pky, #600 Salt Lake City, UT 84121 • Buhler- Stephen J. Attorney 3540 S 4000 W, #245 West Valley City, UT 84120 • Hayes Michael Z Attorney 300 E 3900 S, #2118 Salt Lake City, UT 84107 • Richards Kevin G Attorney 2671 Foothill Dr Ogden, UT 84403 • Easterly Eric G Attorney at Law 1795 Sidewinder Dr, Ste 201 Park City, UT 84060 • Park Glen W Attorney Po Box 17181 Salt Lake City, UT 84117 • David R. McKinney- P.C. 8 E Broadway, #500 Salt Lake City, UT 84111 • Denali Inc 1134 Whileaway Rd E Park City, UT 84098 • Burningham- Leonard W. Attorney 455 N 5th W Salt Lake City, UT 84116 • Gustavson Mark S Attorney 1348 Longdale Dr Sandy, UT 84092 • Lind Eric S Attorney 34 N Main St Kanab, UT 84741 • Blackburn- Timothy W. Attorney 2404 Washington Blvd, #900 Ogden, UT 84401 • Cowley Charles H Attorney 308 Alta St Salt Lake City, UT 84103 • Douglas Hogan 86 S Main St Tooele, UT 84074 • Allphin JERI L Attorney 1327 S 800 E Orem, UT 84097 • Call- Frank Attorney 29 S State St Salt Lake City, UT 84111 • Bailey Taylor & Jennings LC 584 S State St Orem, UT 84058 • Richards J Randall Attorney 5373 S Green St Salt Lake City, UT 84123 • Shapiro Bruce H Attorney 3760 Highland Dr, Ste 200 Salt Lake City, UT 84106 • Hartwig David R Attorney at Law 1817 S Main St, #17 Salt Lake City, UT 84115 • Schoenhals Jack L Attorney 2849 Millicent Dr Salt Lake City, UT 84108 • Atwood Robert D 40 W Cache Valley Blvd Logan, UT 84341 • Kenny Philip S Attorney 1892 E 5665 S Ogden, UT 84403 • Argyle Wesley C Attorney Attorney at Law 495 S 100 W Bountiful, UT 84010 • Hettinger H Russell 211 E Broadway, #216 Salt Lake City, UT 84111 • Barker Phillip D Attorney at Law 165 W Canyon Crest Rd Alpine, UT 84004 • Corporon & Williams Attorneys 405 S Main St Salt Lake City, UT 84101 • Mitchell Scott B Attorney 2469 Fort Union Blvd Salt Lake City, UT 84121 • Guyon Peter W Attorney 3300 Newhouse Dr Magna, UT 84044 • Welling Scott Attorney 502 W 200 N Midway, UT 84049 • Drake David 7146 S 1300 E Midvale, UT 84047 • Stuart Dean A 1805 S Redwood Rd Salt Lake City, UT 84104 • Cox- ELLE Attorney 39 Exchange Pl Salt Lake City, UT 84111 • Marshall Randall Lee P C Attorney 5926 Fashion Point Dr, #200 Ogden, UT 84403 • Combs Kenneth L Attorney at Law 120 E Saint George Blvd St George, UT 84770 • Warr Irene Attorney at Law 5285 W 2400 S Salt Lake City, UT 84120 • Anderson & Anderson PC 1st St N Monticello, UT 84535 • Immigration Law Center 320 W 200 S Salt Lake City, UT 84101 • Adams- Gregory J. Attorney 170 S Main St, #800 Salt Lake City, UT 84101 • Durham- John C. Attorney 2 S Main St Salt Lake City, UT 84101 • Hunt Brian T 1111 Brickyard Rd Salt Lake City, UT 84106 • Parsons William B III 440 E 3300 S Salt Lake City, UT 84115 • Ascione Heideman & McKay LLC 50 E 100 S St George, UT 84770 • Clegg- Perry S. Attorney 8 E Broadway, #550 Salt Lake City, UT 84111 • Collard Kathryn Attorney 9 Exchange Pl, #1111 Salt Lake City, UT 84111 • Clark J Colby Attorney 201 S Main St Salt Lake City, UT 84111 • McCullough & Associates LLC 6885 S State St Midvale, UT 84047 • Cook Craig S Attorney 3645 Cascade Way Salt Lake City, UT 84109 • Goodman Joseph Attorney 2825 E Cottonwood Pky Salt Lake City, UT 84121 • Medsker Richard R Attorney 205 26th St Ogden, UT 84401 • Medlin James B 783 Rainforest Dr Salt Lake City, UT 84107 • Smith Joyce G Attorney at Law 34 E 200 N Blanding, UT 84511 • Cannon & Match P C 370 E South Temple St, #200 Salt Lake City, UT 84111 • Corry W Kent Attorney 630 W 200 N Cedar City, UT 84720 • Beaslin John C PC 185 N Vernal Ave, Ste 1 Vernal, UT 84078 • Calder Tom 312 Main St Park City, UT 84060 • Rudman Tony J Attorney 1111 Brickyard Rd, #106 Salt Lake City, UT 84106 • Haugej Tamera 1121 E 3900 S Salt Lake City, UT 84124 • Warren- Barton J. Attorney 261 E 300 S, #175 Salt Lake City, UT 84111 • Immigration Law Offices of REZA Athari 498 Skyline Dr St George, UT 84770 • Guardian Ad Litem & Casa 37 N 100 E Salina, UT 84654 • Harper Ward Attorney 525 E 100 S Salt Lake City, UT 84102 • Jaussi Jonathan Attorney at Law 524 W 300 N Provo, UT 84601 • Beaver County – Attorney 600 N Beaver, UT 84713 • Watts James Attorney 774 E 2100 S Salt Lake City, UT 84106 • Cummings Craig S Attorney 240 S 200 W, Ste 100 Farmington, UT 84025 • Douglas D Adair Attorney at Law 80 N Main St Bountiful, UT 84010 • Arnold- R. Clark Attorney 425 S 400 E Salt Lake City, UT 84111 • County Attorney 8000 W Duchesne, UT 84021 • Burton Rulon T & Associates 6000 South Fashion Boulevard Draper, UT 84020 • Stewart Jon K Attorney 50 W Broadway, #100 Salt Lake City, UT 84101 • Williams Scott E 3325 N University Ave Provo, UT 84604 • Reber Fay E Attorney 260 W Saint George Blvd St George, UT 84770 • Law Offices of Kendall C FARR 4400 Butternut Rd Salt Lake City, UT 84124 • Hugie Amy Forsgren Attorney 33 S Main St Brigham City, UT 84302 • Malmberg Jan Attorney 245 N Vine St Salt Lake City, UT 84103 • Henry Sara A Sahv PC 1400 Snow Creek Dr Park City, UT 84060 • Law Office of Lewis P Adams 495 E 4500 S, #102 Salt Lake City, UT 84107 • Peck Elizabeth M Attorney 350 S 400 E Salt Lake City, UT 84111 • Lallatin Gerald J ESQ 226 W 2230 N, #100 Provo, UT 84604 • Rodriguez Baltazar Dorany Attorney 8541 Redwood Rd West Jordan, UT 84088 • Blakesley James R Attorney 2595 E 3300 S Salt Lake City, UT 84109 • Martinez Michael N Attorney 4479 Gordon Ln Salt Lake City, UT 84107 • Malouf Law Offices LC 150 E 200 N Logan, UT 84321 • Coggins Deven J Attorney 5684 Green St Salt Lake City, UT 84123 • Russell Y. Minas Attorney At Law- P.C. 1945 S 1100 E, #200 Salt Lake City, UT 84106 • Halls Craig C Attorney 333 S Main St Blanding, UT 84511 • Brown Jeffrey B Attorney 4685 Highland Dr, #175 Salt Lake City, UT 84117 • Professional Corporate Compliance Inc 147 Election Rd Draper, UT 84020 • Metro National Title 345 E Broadway Salt Lake City, UT 84111 • Tucker Robert M Attorney 1326 E 900 S Salt Lake City, UT 84105 • Stout Michael Attorney 9 Exchange Pl, #800 Salt Lake City, UT 84111 • Chamberlain Associates 225 N 100 E Richfield, UT 84701 • Stith L James Attorney 2029 Sidewinder Dr Park City, UT 84060 • McClellan- Clark A. Attorney 363 E Main St, #201 Vernal, UT 84078 • Quinn Kofford PC Attorneys 481 W 50 N American Fork, UT 84003 • Rammell Jason R Attorney 3600 S Market St Salt Lake City, UT 84119 • Essig Fred D Attorney 2240 N 1600 E Logan, UT 84341 • Lauritzen A W Attorney 610 N Main St Logan, UT 84321 • Dart Adamson & Donovan 310 S Main St Salt Lake City, UT 84101 • National Sentry Corporation 260 W Saint George Blvd, Ste 201 St George, UT 84770 • Florence Brian R Attorney 5486 Skyline Dr Ogden, UT 84403 • Sundwall Michael G Attorney 533 W 2600 S, #125 Bountiful, UT 84010 • Morris Bill Attorney 3293 Harrison Blvd Ogden, UT 84403 • Marsden- McKay Attorney 8 E Broadway, #414 Salt Lake City, UT 84111 • Robinson Bryan Attorney 4970 South 900 East Salt Lake City, UT 84117 • Lee Wallace A Attorney 55 N Main St Panguitch, UT 84759 • Stephens Jeffrey R Attorney 2964 W 4700 S Salt Lake City, UT 84118 • Sampson John P Attorney 2650 Washington Blvd Ogden, UT 84401 • Snow J Matthew Attorney 299 S Main St Salt Lake City, UT 84111 • Bradley Richard H Attorney 4525 Wasatch Blvd Salt Lake City, UT 84124 • Cook Tom Attorney 3269 S Main St Salt Lake City, UT 84115 • Gregory Skabelund 2176 N Main St Logan, UT 84341 • Law Office of Steven Baeder 333 E 400 S, #204 Salt Lake City, UT 84111 • Thornley Richard H Attorney 2610 Washington Blvd Ogden, UT 84401 • The Bankruptcy Center 145 W Gentile St Layton, UT 84041 • Howell Armand J 648 E 100 S Salt Lake City, UT 84102 • Johnson Eric Kent PC Attorney 2666 S 2000 E Salt Lake City, UT 84109 • J Garry McAllister 14254 S 6400 W Riverton, UT 84096 • Aaronson Grand 808 E 1910 S Provo, UT 84606 • Marshall Jan Law Office of Derek Coulter 11576 S State St, #503 Draper, UT 84020 • Williams H Mifflin Attorney 500 S Main St, #68 Salt Lake City, UT 84101 • Monson- Sean A. Attorney 10 Exchange Pl Salt Lake City, UT 84111 • Vancampen Chris Law Office 189 S State St, Ste 200 Clearfield, UT 84015 • Durbano Properties 476 Heritage Park Blvd Layton, UT 84041 • Coombs John Michale Attorney 3098 Highland Dr Salt Lake City, UT 84106 • Paulsen Erik C & Associates 9425 Union Sq Sandy, UT 84070 • German & Associates Mba Attorney 246 N Orem Blvd Orem, UT 84057 • Pendleton Gary W Attorney at Law 301 E Tabernacle St, Ste 200 St George, UT 84770 • Phippen David P 55 N Main St, #301 Logan, UT 84321 • LaMar J Winward 150 N 200 E #204 Kanab, UT 84770 • Smedley- James J Attorney 30 N Main St Heber City, UT 84032 • Ashton Paul H ESQ 175 S Main St Salt Lake City, UT 84111 • Miller Christina Attorney Park Ave Park City, UT 84060 • Allan & Easton LLC 1892 N 1120 W Provo, UT 84604 • Aaronson Grand 2708 S Redwood Rd, #200 West Valley City, UT 84119 • Olsen John K Attorney 120 W Main St Midway, UT 84049 • Neeleman- Jennifer L. Attorney 9 Exchange Pl, Ste 417 Salt Lake City, UT 84111 • Davis Doug Attorney 333 S 520 W Lindon, UT 84042 • Findlay- Delano S Attorney at Law 684 E Vine St Salt Lake City, UT 84107 • Gold Brent Attorney 2064 Prospector Ave Park City, UT 84060 • Jensen Michael MBA 136 S Main St, #300 Salt Lake City, UT 84101 • Dorius- Dale M Attorney 201 S Main St Gunnison, UT 84634 • C Michael Lawrence P C 5681 S Redwood Rd, #23 Salt Lake City, UT 84123 • Colton Sylvia ESQ 1206 W South Jordan Pky South Jordan, UT 84095 • Hare Ronald Attorney 765 S Highway 99 Fillmore, UT 84631 • Essig- Lester K. Attorney 36 N State St, #1400 Salt Lake City, UT 84103 • Utzinger Todd Attorney at Law 144 N 100 W Bountiful, UT 84010 • Eliason- Eldon A Attorney 187 N Center St Delta, UT 84624 • Barker Ronald C Attorney 2870 S State St Salt Lake City, UT 84115 • Palmer- Mark D. Attorney 976 W 1700 S Clearfield, UT 84015 • Isbell Law Office 2202 N Main St Cedar City, UT 84721 • Matthew T Graff & Associates 1160 W 250 N Kanab, UT 84770 • Greene Brian Attorney at Law 875 S Orem Blvd Orem, UT 84058 • Anderton Kenneth G Attorney 110 E 100 S Vernal, UT 84078 • Anna W. Drake- P.C. 215 S State St, #500 Salt Lake City, UT 84111 • Christensen Steven A Attorney 3381 Star Fire Rd South Jordan, UT 84095 • Hafen Kendrick J Attorney 2766 Red Mountain Dr Santa Clara, UT 84765 • Trotter- Donna M. Attorney P.O. Box 340 Vernal, UT 84078 • Howell Reese S Attorney 376 E 400 S, #304 Salt Lake City, UT 84111 • Jensen Justin Attorney 14111 Senior Band Rd Draper, UT 84020 • Frischknecht- Paul Attorney 40 N Main St Manti, UT 84642 • Duzan- James R. Attorney 230 S 500 E, #300 Salt Lake City, UT 84102 • Falk- Jennifer L. Attorney 105 S 1100 E, #2257 Salt Lake City, UT 84102 • Dahl Everett E Attorney 49 W Center St Midvale, UT 84047 • Schwegman Lundberg 4625 Sycamore Dr Salt Lake City, UT 84117 • Weeks E Nordell Attorney 19 E 200 S, Ste 1000 Salt Lake City, UT 84111 • Jackson Leray G Attorney 259 N Highway 6 Delta, UT 84624 • Chuntz Howard Attorney 1149 W Center St Orem, UT 84057 • Harrington Richard R Attorney 2696 N University Ave, #200 Provo, UT 84604 • Kessler Law Office 9117 W 2700 S Magna, UT 84044 • Noland Jeffery J Attorney 859 E 900 S Salt Lake City, UT 84105 • Bankruptcy by Tina Lefgren 290 25th St, #102 Ogden, UT 84401 • Wangsgard Scott R Attorney 57 W 200 S, Ste 400 Salt Lake City, UT 84101 • Wilson & Wilson 5620 Highland Dr Salt Lake City, UT 84121 • Whatcott Kevin D Attorney 1846 S 300 W Salt Lake City, UT 84115 • Sessions Todd Attorney 2485 Grant Ave Ogden, UT 84401 • Russell Steve Attorney Grand County Law & Justice CNTR 729 Bartlett Cir Moab, UT 84532 • Williams Scott C LLC 43 E 400 S Salt Lake City, UT 84111 • Dawson Bruce L Attorney 3755 Washington Blvd Ogden, UT 84403 • Richard Allen Attorney 2975 Executive Pky, Ste 200 Lehi, UT 84043 • Hale Barbara P Attorney 1063 E South Union Ave Midvale, UT 84047 • Rice John K Attorney 51 E 7800 S Midvale, UT 84047 • Schmidt Gregory J Attorney 2046 Murray Holladay Rd Salt Lake City, UT 84117 • Molgard Jack H Attorney 102 S 100 W Brigham City, UT 84302 • Johansen Conrad H Attorney 45 W Sego Lily Dr Sandy, UT 84070 • McPhail Ross E Attorney 70 N Main St Bountiful, UT 84010 • Tanner Mark H Attorney 655 S Main St Orangeville, UT 84537 • Romney Lisa G Attorney 2118 E 3900 S Salt Lake City, UT 84124 • PRM Investment CO 4547 S 700 E Salt Lake City, UT 84107 • Poulton & Yordan Attorneys 324 S 400 W Salt Lake City, UT 84101 • Cummings Michael D Attorney 225 S 200 E Salt Lake City, UT 84111 • Quintana & York 3341 S 700 E Salt Lake City, UT 84106 • Mangrum Dennis Attorney 7110 Highland Dr Salt Lake City, UT 84121 • Hatch- Cleve Attorney at Law 155 E Lagoon St Roosevelt, UT 84066 • Sampinos Nick J Attorney 190 N Carbon Ave Price, UT 84501 • White- Joane Pappas Attorney at Law 6 W Main St Price, UT 84501 • Farnsworth Briant J Attorney 5383 S 900 E Murray, UT 84117 • Olson & Hoggan PC Attorneys at Law 123 E Main St Tremonton, UT 84337 • Smedley J Mark Attorney 30 N Main St, #5 Heber City, UT 84032 • Ayala C Theodore Attorney 205 W 700 S Salt Lake City, UT 84101 • Brindley Sullivan 249 E Tabernacle St, #102 St George, UT 84770 • Starley Sandra V Attorney 76 S Main St, Ste 19 Moab, UT 84532 • Crook- D. Scott Attorney 215 S State St, #650 Salt Lake City, UT 84111 • Celeste C Canning PLLC 2590 Washington Blvd, #200 Ogden, UT 84401 • McCullough Lee S P C III 5255 Edgewood Dr Provo, UT 84604 • Halls- Craig C Attorney 159 W 700 N Blanding, UT 84511 • Dawson Bruce L Attorney at Law 340 E 400 S Salt Lake City, UT 84111 • Neeleman Jennifer L Attorney 192 E 200 N, Ste 202 St George, UT 84770 • Snow-Sorensen Marla R Attorney 765 N Main St Spanish Fork, UT 84660 • Edwards Duke Attorney 4625 S 2300 E, #206 Salt Lake City, UT 84117 • Graham Jan Law Offices 150 S 600 E, #5a Salt Lake City, UT 84102 • Henderson Law Offices 40 W Cache Valley Blvd, Ste 4C Logan, UT 84341 • Branch Tom D Attorney 1350 Draper Pky Draper, UT 84020 • Kennicott Jim Attorney 136 Heber Ave Park City, UT 84060 • Whiteley Brenda S Attorney 32 E 100 S Kanab, UT 84770 • Nielson Parker M Attorney 655 S 200 E Salt Lake City, UT 84111 • Hatch- Kendall P Attorney 230 S 500 E Salt Lake City, UT 84102 • Nalder Robin Kent Attorney at Law 1835 W 1950 S Ogden, UT 84401 • Mulliner John G Attorney 363 N University Ave, Ste 103 Provo, UT 84601 • Coleman- Jared G. Attorney 136 U St, #200 Salt Lake City, UT 84103 • Pace- Ryan H Attorney 4723 Harrison Blvd Ogden, UT 84403 • Nemelka Rhett B Attorney 6806 South 1300 East Salt Lake City, UT 84121 • Bird J Kevin Attorney 384 E 720 S Orem, UT 84058 • Zarr Thomas M Attorney 1134 S 1700 E Salt Lake City, UT 84108 • Kingston Carl E Attorney 3212 S State St Salt Lake City, UT 84115 • Salberg Jeffrey D Counselor 255 Main St Park City, UT 84060 • Bunderson Jon J Attorney at Law 45 N 100 E Brigham City, UT 84302 • Poole & Adams LC 4543 S 700 E, #200 Salt Lake City, UT 84107 • Hanks & Mortensen- P.C. 8 E Broadway Salt Lake City, UT 84111 • Gaither Randall Attorney 159 W Broadway Salt Lake City, UT 84101 • Martin J Pezely Attorney 7700 Maple St Midvale, UT 84047 • Baar- Lois A. Attorney 9 Exchange Pl, #1112 Salt Lake City, UT 84111 • Taylor Marcus PC 175 N Main St Richfield, UT 84701 • Culas- Roberto G Attorney at Law 5663 S Redwood Rd Salt Lake City, UT 84123 • Tanner James R 250 S Main St Tooele, UT 84074 • Fankhauser E H Attorney 243 E 400 S Salt Lake City, UT 84111

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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from Michael Anderson https://www.ascentlawfirm.com/84097-attorneys/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/626210255033040896

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IRS Trouble? Utah Tax Lawyers can Help in Salt Lake City Provo Orem and Ogden

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Failing To Abide By The Terms In A Bankruptcy Plan

What are the consequences of failing to abide by the terms of a bankruptcy plan?

Failing to abide by the terms of a bankruptcy plan can have serious consequences. If you fail to timely file all required paperwork, you may be held in contempt of court and jailed for a period ranging from 15 days to six months, depending on the circumstances. In addition, if you fail to make all payments as scheduled during your bankruptcy, the court could revoke your discharge, which would mean your debts would again be enforceable against you.

You and your lawyer will work together to create a payment plan appropriate for your situation. This plan is a contract between you, the court, and your creditors.

If you don't stick to the terms of the plan, there are consequences. This can lead to the following:

Credit score hits and more interest on your remaining debt;

Loss of exemptions and assets;

Inability to file for bankruptcy again for eight years (if you're an individual) or ten years (if you're a business);

Perhaps most importantly, if you fail to abide by the terms of your plan, future financial aid from the government might be drastically reduced or eliminated.

If you fail to abide by the terms of a bankruptcy plan (whether it's your own or a joint filing), you violate the law and could face the consequences. Depending on the violation and specific circumstances, these consequences can include having your case dismissed, losing your discharge, and being forced to repay creditors with interest.

Bankruptcy Attorney Free Consultation

If you are looking for a legal advice about bankruptcy plan or in need an attorney, call this law firm for free consultation. We have the Best Attorneys in Utah.

Ascent Law LLC

8833 S Redwood Road Suite C

West Jordan UT 84088

(801) 676-5506

https://www.ascentlawfirm.com

http://dailyutahbankruptcies.com/failing-to-abide-by-the-terms/

Disclaimer: This is not legal advice and is simply an answer to a question and that if legal advice is sought to contact a licensed attorney in the appropriate jurisdiction.

[beardedmrbean]

LONDON (AP) — An American fugitive accused of faking his own death to avoid a rape charge in Utah can be extradited to the U.S., a judge in Scotland ruled Wednesday, calling the man “as dishonest and deceitful as he is evasive and manipulative.”

The wanted man known in Scotland as Nicholas Rossi fought his return since being arrested in December 2021 at a Glasgow hospital, where he was being treated for COVID-19. He repeatedly appeared in court — and in several television interviews — in a wheelchair using an oxygen mask and insisted he was an Irish orphan named Arthur Knight who had never set foot on American soil.

But judge Norman McFadyen of Edinburgh Sheriff Court had previously dismissed the fugitive’s claims of mistaken identity as “implausible” and “fanciful” after the man claimed he had been framed by authorities who had tattooed him and surreptitiously taken his fingerprints while he was in a coma to connect him to Rossi.

“I concluded that the evidence of the requested person was unreliable to the extent that I would not be prepared to accept any statement of fact made by him unless it was independently supported,” McFadyen said.

Scottish government ministers will review McFadyen’s ruling to determine whether to issue an extradition order.

U.S. authorities said Rossi is one of several aliases the 35-year-old has used and that his legal name is Nicholas Alahverdian, who faces a 2008 rape charge in Utah.

Alahverdian is charged with sexually assaulting a former girlfriend in Orem, Utah, according to Utah County Attorney David Leavitt. His office said it found complaints alleging Alahverdian abused and threatened women in other states.

Authorities in Rhode Island have said Alahverdian is wanted there for failing to register as a sex offender. The FBI has said he also faces fraud charges in Ohio, where he was convicted of sex-related charges in 2008.

Alahverdian, who grew up in Rhode Island, was an outspoken critic of the state’s Department of Children, Youth and Families. He testified before state lawmakers that he was sexually abused and tortured in foster care.

Three years ago, he told media in Rhode Island he had late-stage non-Hodgkin lymphoma and had weeks to live. An obituary published online claimed he died Feb. 29, 2020.

About a year later, Rhode Island state police, along with Alahverdian’s former lawyer and his former foster family, cast doubt on whether he had died.

Rossi fired six lawyers and had tried unsuccessfully to dismiss his latest attorney, Mungo Bovey, who sought to delay proceedings Wednesday.

Bovey argued that extraditing Rossi would be a “flagrant breach” of his human rights.

In a video link from jail, the man known in the U.K. courts as Rossi was doubled over and claimed to be sick. He did not answer when asked if he was Rossi.

The judge said he had appeared voluntarily, but in an outburst, the man, said guards used physical force to put him before the camera and he called the judge “a disgrace to justice.”

The prosecutor has said the inmate did not suffer from any condition that would prevent his extradition.

During a hearing in June, the jailed man said the muscles in his legs had atrophied so much that he needed a wheelchair and couldn’t lift his arms over his head.

Psychiatrists who examined him found no signs of acute mental illness and a doctor questioned his need for a wheelchair, saying his legs were strong and athletic. Dr. Barbara Mundweil said she had seen video of him kicking a prison officer in the face.

[coming-from-hell]

Lindon Utah Foreclosure Lawyer

Lindon is a city in Utah County, Utah, United States. It is part of the Provo–Orem, Utah Metropolitan Statistical Area. The population was 10,070 at the 2010 census. In July 2018 it was estimated to be to 10,970 by the US Census Bureau. Lindon has an abundant cultural and historical background. Originally settled in 1861, Lindon began as pioneers moved into what was then the Lindon grazing land. The town was originally named “String Town” because of the way the houses were strung up and down the street between the towns of Orem and Pleasant Grove. An old linden tree (Tilia) growing in town in 1901 inspired the present (misspelled) name. Over the past century Lindon has seen organized development, but it has tried to remain true to its motto: “Lindon: a little bit of country”.

Short Sales vs. Deeds in Lieu of Foreclosure

If you’re having trouble making your mortgage payments and the loan holder (the bank) has denied your request for a repayment plan, forbearance, or loan modification or if you’re not interested in any of those options two other ways to avoid a foreclosure are completing a short sale or a deed in lieu of foreclosure. One benefit to these options is that that you won’t have a foreclosure on your credit history. But your credit score will still take a major hit. A short sale or deed in lieu of foreclosure is almost as bad as a foreclosure when it comes to credit scores. For some people, though, not having the stigma of a foreclosure on their record is worth the effort of working out one of these alternatives.

Short Sales

A short sale occurs when a homeowner sells his or her home to a third party for less than the total debt remaining on the mortgage loan. With a short sale, the bank agrees to accept the proceeds from the sale in exchange for releasing the lien on the property.

The bank’s loss mitigation department must approve the short sale before the transaction can be completed. (The process of finding a way to avoid foreclosure is called “loss mitigation.”) To get approval for a short sale, the seller (the homeowner) must contact the loan servicer—the company that manages the loan account—to ask for a loss mitigation application. The homeowner then must send the servicer a complete application, which usually includes: • a financial statement, in the form of a questionnaire, that provides detailed information regarding monthly income and expenses • proof of income, if applicable • most recent tax returns • bank statements (usually two recent statements for all accounts), and • a hardship affidavit or statement. • The purchase offer. A short sale application will also most likely require that you include an offer from a potential purchaser. Banks often insist that there be an offer on the table before they will consider a short sale, but not always.

• A second mortgage holder must agree to the short sale. If there is more than one mortgage on the property, both mortgage holders must consent to the short sale. The first mortgage holder will offer a certain amount from the short sale proceeds to second mortgage holder to release their lien, but the second mortgage holder can refuse to accept the amount and kill the deal.

Deficiency Judgments Following Short Sales

Many homeowners who complete a short sale will face a deficiency judgment, though a few states disallow them after this kind of transaction. The difference between the total debt and the sale price is called a “deficiency.” For example, say your bank gives you permission to sell your property for $200,000, but you owe $250,000. The deficiency is $50,000. In many states, the bank can seek a personal judgment against you after the short sale to recover the deficiency amount.

While many states have enacted legislation that prohibits a deficiency judgment following a foreclosure, most states do not have a corresponding law that would prevent a deficiency judgment following a short sale. How to avoid a deficiency with a short sale To ensure that the bank can’t get a deficiency judgment against you following a short sale, the short sale agreement must expressly state that the transaction is in full satisfaction of the debt and that the bank waives its right to the deficiency.

If the bank forgives some or all of the deficiency and issues you a IRS Form 1099-C, you might have to include the forgiven debt as taxable income. When It Might Be a Good Idea to Let a Foreclosure Happen and Other Issues to Consider

In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, state law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than doing a short sale or deed in lieu of foreclosure that leaves you on the hook for a deficiency. For specific advice about what to do in your particular situation, talk to a local foreclosure attorney. Also, you should take into consideration how long it will take to get a new mortgage after a short sale or deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a short sale or deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a short sale or deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years.

Deeds in Lieu of Foreclosure

Another way to avoid a foreclosure is by completing a deed in lieu of foreclosure. A deed in lieu of foreclosure is a transaction in which the homeowner voluntarily transfers title to the property to the bank in exchange for a release from the mortgage obligation. Generally, the bank will only approve a deed in lieu of foreclosure if there aren’t any other liens on the property.

You Might Want to Complete a Deed in Lieu of Foreclosure

Because the difference in how a foreclosure or deed in lieu affects your credit is minimal, it might not be worth completing a deed in lieu unless the bank agrees to: • forgive or reduce the deficiency • give you some cash as part of the deal, or • give you some additional time to live in the home (longer than what you’d get if you let the foreclosure go through). Banks sometimes agree to these terms to avoid the expense and hassle of foreclosing. If you have a lot of equity in the property, however, a deed in lieu is usually not a good way to go. In most cases, you’ll be better off by selling the home and paying of the debt. If a foreclosure is imminent and you don’t have much time to sell, you might consider filing for Chapter 13 bankruptcy with a plan to sell your property.

Just like with a short sale, the first step in obtaining a deed in lieu of foreclosure is for the borrower to contact the servicer and request a loss mitigation application. As with a short sale request, the application will need to be filled out and submitted along with documentation about income and expenses. The bank might require that you try to sell your home before it will consider accepting a deed in lieu, and require a copy of the listing agreement as proof that this has been done.

Deed in Lieu of Foreclosure Documents

If approved for a deed in lieu of foreclosure, the bank will send you documents to sign. You will receive: • a deed that transfers ownership of the property to the bank, and • an estoppel affidavit. (Sometimes there might be a separate deed in lieu agreement.) The estoppel affidavit sets out the terms of the agreement and will include a provision that you are acting freely and voluntarily. It might also include provisions addressing whether the transaction is in full satisfaction of the debt or whether the bank has the right to seek a deficiency judgment. Deficiency Judgments Following a Deed in Lieu of Foreclosure With a deed in lieu of foreclosure, the deficiency amount is the difference between the fair market value of the property and the total debt. In most cases, completing a deed in lieu will release the borrowers from all obligations and liability under the mortgage, but not always.

Anti-deficiency laws

Most states don’t have a law that prevents a bank from obtaining a deficiency judgment following a deed in lieu of foreclosure. Washington, however, is one state that does prohibit a bank from getting a deficiency judgment after a deed in lieu. So, the bank might try to hold you liable for a deficiency following the transaction. If the bank wants to preserve its right to seek a deficiency judgment, it generally must clearly state in the transaction documents that a balance remains after the deed in lieu, and it must include the amount of the deficiency. How to avoid a deficiency with a deed in lieu of foreclosure To avoid a deficiency judgment with a deed in lieu of foreclosure, the agreement must expressly state that the transaction is in full satisfaction of the debt. If the deed in lieu of foreclosure agreement does not contain this provision, the bank might file a lawsuit to obtain a deficiency judgment. Again, you might have tax liability for any forgiven debt.

The process for completing a deed in lieu will vary somewhat depending on who your loan servicer is and who the lender (or current owner of your loan, called an “investor”) is. Generally, you’ll have to try to sell the property for at least 90 days at fair market value before the lender will consent to accepting a deed in lieu. Also, you usually must have clear title, which means there can’t be other liens on the property. You might have to provide details about your finances and show that the home won’t sell for what’s owed. As part of the deal, the homeowner usually agrees to vacate the home, leaving it in good (“broom swept”) condition, and sign over ownership to the lender. In some cases, the borrower will have to submit an affidavit indicating that the process was voluntary. In some cases, the lender will allow the homeowner to rent the home even after turning over the deed. Fannie Mae, for example, offers this option to borrowers who have Fannie Mae loans. Also, in some cases, the departing homeowner will receive relocation money after completing a deed in lieu.

Call A Foreclosure Lawyer

Some people think that completing a deed in lieu will cause less damage to their credit score than a foreclosure. But the difference in how a foreclosure or deed in lieu affects your credit is minimal. For this reason, it might not be worth doing a deed in lieu unless the lender agrees to forgive or reduce the deficiency, you get some cash as part of the deal, or you get some extra time to live in the home (longer than what you’d get if you let the foreclosure go through). In some cases, the lender will agree to one or more of these conditions to avoid the expense and hassle of foreclosing. Also, you should take into consideration how long it will take to get a new mortgage after a deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years. If you have a lot of equity in the property, however, a deed in lieu is usually a poor choice. You’d be better off by selling the property and paying of the debt. If you don’t have a lot of time and a foreclosure is imminent, you might consider filing for Chapter 13 bankruptcy with a plan to sell your home.

With a deed in lieu, the homeowner may negotiate what will happen to the deficiency, if one exists. Because a deed in lieu is a voluntary agreement between you and the lender, it’s possible to negotiate a deal in which: • the lender agrees not to pursue a deficiency judgment • you agree pay part of the deficiency, or • you agree to repay the deficit over time. Be aware that, if the lender forgives all or part of the deficiency, you might face tax consequences. Should You Let the Foreclosure Go Through? In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, an anti-deficiency law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than agreeing to a deed in lieu of foreclosure that leaves you responsible for all or a portion of a deficiency. (For specific advice about what to do in your particular situation, talk to a local foreclosure attorney.)

If you’re considering completing a deed in lieu, consider talking to a lawyer. Many different foreclosure avoidance options exist, including loan modifications and short sales, and some options might be better than others, especially for specific situations. To find out if a deed in lieu might be right for you or to explore other possible options, contact a lawyer.

Avoiding a Deficiency Judgment

In some states, lenders have the right to sue borrowers for deficiencies after a foreclosure or a deed in lieu of foreclosure. A deficiency is the difference between the amount you owe on your mortgage loan and the price your lender gets for your home when it sells at a foreclosure sale. In other words, if you owe your mortgage lender $300,000 on your house and you default, and the foreclosure sale brings in just $250,000, the deficiency is $50,000. If permitted by state law, the lender can sue you for the $50,000 and get a deficiency judgment—even though it already took the house. With a deed in lieu of foreclosure, the deficiency is the difference between the total debt and the fair market value of the house. As part of the deed in lieu of foreclosure negotiations, you should get your lender to agree to release you from having to repay any deficiency, perhaps in exchange for your agreeing to deliver the house to your lender in good condition. Make sure to get the deficiency waiver in writing. Though, if the lender forgives all or part of the deficiency, you could face tax consequences.

Know Your Options

If you are a distressed homeowner who’s facing a foreclosure, knowing your options is very important. As soon as you realize that you’re in financial distress, call your servicer’s loss mitigation department to find out what alternatives to foreclosure—such as a refinance, loan modification, short sale, or deed in lieu of foreclosure—are available to you. (The servicer is the company that manages your loan account on behalf of the lender. Servicers process borrower payments, manage escrow accounts, and pursue foreclosure for defaulted loans.) You have nothing to lose by calling the servicer and the call might make a huge difference. You will typically be provided a packet of information and documents to complete. If you don’t understand the contents of any of these documents, ask for help, either from an attorney or a free HUD-certified housing counselor. While the foreclosure process can be scary, you have some choice in the matter.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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Source: https://www.ascentlawfirm.com/lindon-utah-foreclosure-lawyer/

[melissawalker01]

Lindon Utah Foreclosure Lawyer

Lindon is a city in Utah County, Utah, United States. It is part of the Provo–Orem, Utah Metropolitan Statistical Area. The population was 10,070 at the 2010 census. In July 2018 it was estimated to be to 10,970 by the US Census Bureau. Lindon has an abundant cultural and historical background. Originally settled in 1861, Lindon began as pioneers moved into what was then the Lindon grazing land. The town was originally named “String Town” because of the way the houses were strung up and down the street between the towns of Orem and Pleasant Grove. An old linden tree (Tilia) growing in town in 1901 inspired the present (misspelled) name. Over the past century Lindon has seen organized development, but it has tried to remain true to its motto: “Lindon: a little bit of country”.

Short Sales vs. Deeds in Lieu of Foreclosure

If you’re having trouble making your mortgage payments and the loan holder (the bank) has denied your request for a repayment plan, forbearance, or loan modification or if you’re not interested in any of those options two other ways to avoid a foreclosure are completing a short sale or a deed in lieu of foreclosure. One benefit to these options is that that you won’t have a foreclosure on your credit history. But your credit score will still take a major hit. A short sale or deed in lieu of foreclosure is almost as bad as a foreclosure when it comes to credit scores. For some people, though, not having the stigma of a foreclosure on their record is worth the effort of working out one of these alternatives.

Short Sales

A short sale occurs when a homeowner sells his or her home to a third party for less than the total debt remaining on the mortgage loan. With a short sale, the bank agrees to accept the proceeds from the sale in exchange for releasing the lien on the property.

The bank’s loss mitigation department must approve the short sale before the transaction can be completed. (The process of finding a way to avoid foreclosure is called “loss mitigation.”) To get approval for a short sale, the seller (the homeowner) must contact the loan servicer—the company that manages the loan account—to ask for a loss mitigation application. The homeowner then must send the servicer a complete application, which usually includes: • a financial statement, in the form of a questionnaire, that provides detailed information regarding monthly income and expenses • proof of income, if applicable • most recent tax returns • bank statements (usually two recent statements for all accounts), and • a hardship affidavit or statement. • The purchase offer. A short sale application will also most likely require that you include an offer from a potential purchaser. Banks often insist that there be an offer on the table before they will consider a short sale, but not always.

• A second mortgage holder must agree to the short sale. If there is more than one mortgage on the property, both mortgage holders must consent to the short sale. The first mortgage holder will offer a certain amount from the short sale proceeds to second mortgage holder to release their lien, but the second mortgage holder can refuse to accept the amount and kill the deal.

Deficiency Judgments Following Short Sales

Many homeowners who complete a short sale will face a deficiency judgment, though a few states disallow them after this kind of transaction. The difference between the total debt and the sale price is called a “deficiency.” For example, say your bank gives you permission to sell your property for $200,000, but you owe $250,000. The deficiency is $50,000. In many states, the bank can seek a personal judgment against you after the short sale to recover the deficiency amount.

While many states have enacted legislation that prohibits a deficiency judgment following a foreclosure, most states do not have a corresponding law that would prevent a deficiency judgment following a short sale. How to avoid a deficiency with a short sale To ensure that the bank can’t get a deficiency judgment against you following a short sale, the short sale agreement must expressly state that the transaction is in full satisfaction of the debt and that the bank waives its right to the deficiency.

If the bank forgives some or all of the deficiency and issues you a IRS Form 1099-C, you might have to include the forgiven debt as taxable income. When It Might Be a Good Idea to Let a Foreclosure Happen and Other Issues to Consider

In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, state law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than doing a short sale or deed in lieu of foreclosure that leaves you on the hook for a deficiency. For specific advice about what to do in your particular situation, talk to a local foreclosure attorney. Also, you should take into consideration how long it will take to get a new mortgage after a short sale or deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a short sale or deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a short sale or deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years.

Deeds in Lieu of Foreclosure

Another way to avoid a foreclosure is by completing a deed in lieu of foreclosure. A deed in lieu of foreclosure is a transaction in which the homeowner voluntarily transfers title to the property to the bank in exchange for a release from the mortgage obligation. Generally, the bank will only approve a deed in lieu of foreclosure if there aren’t any other liens on the property.

You Might Want to Complete a Deed in Lieu of Foreclosure

Because the difference in how a foreclosure or deed in lieu affects your credit is minimal, it might not be worth completing a deed in lieu unless the bank agrees to: • forgive or reduce the deficiency • give you some cash as part of the deal, or • give you some additional time to live in the home (longer than what you’d get if you let the foreclosure go through). Banks sometimes agree to these terms to avoid the expense and hassle of foreclosing. If you have a lot of equity in the property, however, a deed in lieu is usually not a good way to go. In most cases, you’ll be better off by selling the home and paying of the debt. If a foreclosure is imminent and you don’t have much time to sell, you might consider filing for Chapter 13 bankruptcy with a plan to sell your property.

Just like with a short sale, the first step in obtaining a deed in lieu of foreclosure is for the borrower to contact the servicer and request a loss mitigation application. As with a short sale request, the application will need to be filled out and submitted along with documentation about income and expenses. The bank might require that you try to sell your home before it will consider accepting a deed in lieu, and require a copy of the listing agreement as proof that this has been done.

Deed in Lieu of Foreclosure Documents

If approved for a deed in lieu of foreclosure, the bank will send you documents to sign. You will receive: • a deed that transfers ownership of the property to the bank, and • an estoppel affidavit. (Sometimes there might be a separate deed in lieu agreement.) The estoppel affidavit sets out the terms of the agreement and will include a provision that you are acting freely and voluntarily. It might also include provisions addressing whether the transaction is in full satisfaction of the debt or whether the bank has the right to seek a deficiency judgment. Deficiency Judgments Following a Deed in Lieu of Foreclosure With a deed in lieu of foreclosure, the deficiency amount is the difference between the fair market value of the property and the total debt. In most cases, completing a deed in lieu will release the borrowers from all obligations and liability under the mortgage, but not always.

Anti-deficiency laws

Most states don’t have a law that prevents a bank from obtaining a deficiency judgment following a deed in lieu of foreclosure. Washington, however, is one state that does prohibit a bank from getting a deficiency judgment after a deed in lieu. So, the bank might try to hold you liable for a deficiency following the transaction. If the bank wants to preserve its right to seek a deficiency judgment, it generally must clearly state in the transaction documents that a balance remains after the deed in lieu, and it must include the amount of the deficiency. How to avoid a deficiency with a deed in lieu of foreclosure To avoid a deficiency judgment with a deed in lieu of foreclosure, the agreement must expressly state that the transaction is in full satisfaction of the debt. If the deed in lieu of foreclosure agreement does not contain this provision, the bank might file a lawsuit to obtain a deficiency judgment. Again, you might have tax liability for any forgiven debt.

The process for completing a deed in lieu will vary somewhat depending on who your loan servicer is and who the lender (or current owner of your loan, called an “investor”) is. Generally, you’ll have to try to sell the property for at least 90 days at fair market value before the lender will consent to accepting a deed in lieu. Also, you usually must have clear title, which means there can’t be other liens on the property. You might have to provide details about your finances and show that the home won’t sell for what’s owed. As part of the deal, the homeowner usually agrees to vacate the home, leaving it in good (“broom swept”) condition, and sign over ownership to the lender. In some cases, the borrower will have to submit an affidavit indicating that the process was voluntary. In some cases, the lender will allow the homeowner to rent the home even after turning over the deed. Fannie Mae, for example, offers this option to borrowers who have Fannie Mae loans. Also, in some cases, the departing homeowner will receive relocation money after completing a deed in lieu.

Call A Foreclosure Lawyer

Some people think that completing a deed in lieu will cause less damage to their credit score than a foreclosure. But the difference in how a foreclosure or deed in lieu affects your credit is minimal. For this reason, it might not be worth doing a deed in lieu unless the lender agrees to forgive or reduce the deficiency, you get some cash as part of the deal, or you get some extra time to live in the home (longer than what you’d get if you let the foreclosure go through). In some cases, the lender will agree to one or more of these conditions to avoid the expense and hassle of foreclosing. Also, you should take into consideration how long it will take to get a new mortgage after a deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years. If you have a lot of equity in the property, however, a deed in lieu is usually a poor choice. You’d be better off by selling the property and paying of the debt. If you don’t have a lot of time and a foreclosure is imminent, you might consider filing for Chapter 13 bankruptcy with a plan to sell your home.

With a deed in lieu, the homeowner may negotiate what will happen to the deficiency, if one exists. Because a deed in lieu is a voluntary agreement between you and the lender, it’s possible to negotiate a deal in which: • the lender agrees not to pursue a deficiency judgment • you agree pay part of the deficiency, or • you agree to repay the deficit over time. Be aware that, if the lender forgives all or part of the deficiency, you might face tax consequences. Should You Let the Foreclosure Go Through? In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, an anti-deficiency law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than agreeing to a deed in lieu of foreclosure that leaves you responsible for all or a portion of a deficiency. (For specific advice about what to do in your particular situation, talk to a local foreclosure attorney.)

If you’re considering completing a deed in lieu, consider talking to a lawyer. Many different foreclosure avoidance options exist, including loan modifications and short sales, and some options might be better than others, especially for specific situations. To find out if a deed in lieu might be right for you or to explore other possible options, contact a lawyer.

Avoiding a Deficiency Judgment

In some states, lenders have the right to sue borrowers for deficiencies after a foreclosure or a deed in lieu of foreclosure. A deficiency is the difference between the amount you owe on your mortgage loan and the price your lender gets for your home when it sells at a foreclosure sale. In other words, if you owe your mortgage lender $300,000 on your house and you default, and the foreclosure sale brings in just $250,000, the deficiency is $50,000. If permitted by state law, the lender can sue you for the $50,000 and get a deficiency judgment—even though it already took the house. With a deed in lieu of foreclosure, the deficiency is the difference between the total debt and the fair market value of the house. As part of the deed in lieu of foreclosure negotiations, you should get your lender to agree to release you from having to repay any deficiency, perhaps in exchange for your agreeing to deliver the house to your lender in good condition. Make sure to get the deficiency waiver in writing. Though, if the lender forgives all or part of the deficiency, you could face tax consequences.

Know Your Options

If you are a distressed homeowner who’s facing a foreclosure, knowing your options is very important. As soon as you realize that you’re in financial distress, call your servicer’s loss mitigation department to find out what alternatives to foreclosure—such as a refinance, loan modification, short sale, or deed in lieu of foreclosure—are available to you. (The servicer is the company that manages your loan account on behalf of the lender. Servicers process borrower payments, manage escrow accounts, and pursue foreclosure for defaulted loans.) You have nothing to lose by calling the servicer and the call might make a huge difference. You will typically be provided a packet of information and documents to complete. If you don’t understand the contents of any of these documents, ask for help, either from an attorney or a free HUD-certified housing counselor. While the foreclosure process can be scary, you have some choice in the matter.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Utah Divorce Code 30-3-34

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The post Lindon Utah Foreclosure Lawyer first appeared on Michael Anderson.

from Michael Anderson https://www.ascentlawfirm.com/lindon-utah-foreclosure-lawyer/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/631045843924975616

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Lindon Utah Foreclosure Lawyer

Lindon is a city in Utah County, Utah, United States. It is part of the Provo–Orem, Utah Metropolitan Statistical Area. The population was 10,070 at the 2010 census. In July 2018 it was estimated to be to 10,970 by the US Census Bureau. Lindon has an abundant cultural and historical background. Originally settled in 1861, Lindon began as pioneers moved into what was then the Lindon grazing land. The town was originally named “String Town” because of the way the houses were strung up and down the street between the towns of Orem and Pleasant Grove. An old linden tree (Tilia) growing in town in 1901 inspired the present (misspelled) name. Over the past century Lindon has seen organized development, but it has tried to remain true to its motto: “Lindon: a little bit of country”.

Short Sales vs. Deeds in Lieu of Foreclosure

If you’re having trouble making your mortgage payments and the loan holder (the bank) has denied your request for a repayment plan, forbearance, or loan modification or if you’re not interested in any of those options two other ways to avoid a foreclosure are completing a short sale or a deed in lieu of foreclosure. One benefit to these options is that that you won’t have a foreclosure on your credit history. But your credit score will still take a major hit. A short sale or deed in lieu of foreclosure is almost as bad as a foreclosure when it comes to credit scores. For some people, though, not having the stigma of a foreclosure on their record is worth the effort of working out one of these alternatives.

Short Sales

A short sale occurs when a homeowner sells his or her home to a third party for less than the total debt remaining on the mortgage loan. With a short sale, the bank agrees to accept the proceeds from the sale in exchange for releasing the lien on the property.

The bank’s loss mitigation department must approve the short sale before the transaction can be completed. (The process of finding a way to avoid foreclosure is called “loss mitigation.”) To get approval for a short sale, the seller (the homeowner) must contact the loan servicer—the company that manages the loan account—to ask for a loss mitigation application. The homeowner then must send the servicer a complete application, which usually includes: • a financial statement, in the form of a questionnaire, that provides detailed information regarding monthly income and expenses • proof of income, if applicable • most recent tax returns • bank statements (usually two recent statements for all accounts), and • a hardship affidavit or statement. • The purchase offer. A short sale application will also most likely require that you include an offer from a potential purchaser. Banks often insist that there be an offer on the table before they will consider a short sale, but not always.

• A second mortgage holder must agree to the short sale. If there is more than one mortgage on the property, both mortgage holders must consent to the short sale. The first mortgage holder will offer a certain amount from the short sale proceeds to second mortgage holder to release their lien, but the second mortgage holder can refuse to accept the amount and kill the deal.

Deficiency Judgments Following Short Sales

Many homeowners who complete a short sale will face a deficiency judgment, though a few states disallow them after this kind of transaction. The difference between the total debt and the sale price is called a “deficiency.” For example, say your bank gives you permission to sell your property for $200,000, but you owe $250,000. The deficiency is $50,000. In many states, the bank can seek a personal judgment against you after the short sale to recover the deficiency amount.

While many states have enacted legislation that prohibits a deficiency judgment following a foreclosure, most states do not have a corresponding law that would prevent a deficiency judgment following a short sale. How to avoid a deficiency with a short sale To ensure that the bank can’t get a deficiency judgment against you following a short sale, the short sale agreement must expressly state that the transaction is in full satisfaction of the debt and that the bank waives its right to the deficiency.

If the bank forgives some or all of the deficiency and issues you a IRS Form 1099-C, you might have to include the forgiven debt as taxable income. When It Might Be a Good Idea to Let a Foreclosure Happen and Other Issues to Consider

In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, state law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than doing a short sale or deed in lieu of foreclosure that leaves you on the hook for a deficiency. For specific advice about what to do in your particular situation, talk to a local foreclosure attorney. Also, you should take into consideration how long it will take to get a new mortgage after a short sale or deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a short sale or deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a short sale or deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years.

Deeds in Lieu of Foreclosure

Another way to avoid a foreclosure is by completing a deed in lieu of foreclosure. A deed in lieu of foreclosure is a transaction in which the homeowner voluntarily transfers title to the property to the bank in exchange for a release from the mortgage obligation. Generally, the bank will only approve a deed in lieu of foreclosure if there aren’t any other liens on the property.

You Might Want to Complete a Deed in Lieu of Foreclosure

Because the difference in how a foreclosure or deed in lieu affects your credit is minimal, it might not be worth completing a deed in lieu unless the bank agrees to: • forgive or reduce the deficiency • give you some cash as part of the deal, or • give you some additional time to live in the home (longer than what you’d get if you let the foreclosure go through). Banks sometimes agree to these terms to avoid the expense and hassle of foreclosing. If you have a lot of equity in the property, however, a deed in lieu is usually not a good way to go. In most cases, you’ll be better off by selling the home and paying of the debt. If a foreclosure is imminent and you don’t have much time to sell, you might consider filing for Chapter 13 bankruptcy with a plan to sell your property.

Just like with a short sale, the first step in obtaining a deed in lieu of foreclosure is for the borrower to contact the servicer and request a loss mitigation application. As with a short sale request, the application will need to be filled out and submitted along with documentation about income and expenses. The bank might require that you try to sell your home before it will consider accepting a deed in lieu, and require a copy of the listing agreement as proof that this has been done.

Deed in Lieu of Foreclosure Documents

If approved for a deed in lieu of foreclosure, the bank will send you documents to sign. You will receive: • a deed that transfers ownership of the property to the bank, and • an estoppel affidavit. (Sometimes there might be a separate deed in lieu agreement.) The estoppel affidavit sets out the terms of the agreement and will include a provision that you are acting freely and voluntarily. It might also include provisions addressing whether the transaction is in full satisfaction of the debt or whether the bank has the right to seek a deficiency judgment. Deficiency Judgments Following a Deed in Lieu of Foreclosure With a deed in lieu of foreclosure, the deficiency amount is the difference between the fair market value of the property and the total debt. In most cases, completing a deed in lieu will release the borrowers from all obligations and liability under the mortgage, but not always.

Anti-deficiency laws

Most states don’t have a law that prevents a bank from obtaining a deficiency judgment following a deed in lieu of foreclosure. Washington, however, is one state that does prohibit a bank from getting a deficiency judgment after a deed in lieu. So, the bank might try to hold you liable for a deficiency following the transaction. If the bank wants to preserve its right to seek a deficiency judgment, it generally must clearly state in the transaction documents that a balance remains after the deed in lieu, and it must include the amount of the deficiency. How to avoid a deficiency with a deed in lieu of foreclosure To avoid a deficiency judgment with a deed in lieu of foreclosure, the agreement must expressly state that the transaction is in full satisfaction of the debt. If the deed in lieu of foreclosure agreement does not contain this provision, the bank might file a lawsuit to obtain a deficiency judgment. Again, you might have tax liability for any forgiven debt.

The process for completing a deed in lieu will vary somewhat depending on who your loan servicer is and who the lender (or current owner of your loan, called an “investor”) is. Generally, you’ll have to try to sell the property for at least 90 days at fair market value before the lender will consent to accepting a deed in lieu. Also, you usually must have clear title, which means there can’t be other liens on the property. You might have to provide details about your finances and show that the home won’t sell for what’s owed. As part of the deal, the homeowner usually agrees to vacate the home, leaving it in good (“broom swept”) condition, and sign over ownership to the lender. In some cases, the borrower will have to submit an affidavit indicating that the process was voluntary. In some cases, the lender will allow the homeowner to rent the home even after turning over the deed. Fannie Mae, for example, offers this option to borrowers who have Fannie Mae loans. Also, in some cases, the departing homeowner will receive relocation money after completing a deed in lieu.

Call A Foreclosure Lawyer

Some people think that completing a deed in lieu will cause less damage to their credit score than a foreclosure. But the difference in how a foreclosure or deed in lieu affects your credit is minimal. For this reason, it might not be worth doing a deed in lieu unless the lender agrees to forgive or reduce the deficiency, you get some cash as part of the deal, or you get some extra time to live in the home (longer than what you’d get if you let the foreclosure go through). In some cases, the lender will agree to one or more of these conditions to avoid the expense and hassle of foreclosing. Also, you should take into consideration how long it will take to get a new mortgage after a deed in lieu versus a foreclosure. Fannie Mae, for instance, will buy loans made two years after a deed in lieu if there are extenuating circumstances, like divorce, medical bills, or a job layoff that caused you economic difficulty, compared to a three-year wait after a foreclosure. (Without extenuating circumstances, the waiting period for a Fannie Mae loan is seven years after a foreclosure or four years after a deed in lieu.) On the other hand, the Federal Housing Authority (FHA) treats foreclosures, short sales, and deeds in lieu the same, usually making its home loan insurance available after three years. If you have a lot of equity in the property, however, a deed in lieu is usually a poor choice. You’d be better off by selling the property and paying of the debt. If you don’t have a lot of time and a foreclosure is imminent, you might consider filing for Chapter 13 bankruptcy with a plan to sell your home.

With a deed in lieu, the homeowner may negotiate what will happen to the deficiency, if one exists. Because a deed in lieu is a voluntary agreement between you and the lender, it’s possible to negotiate a deal in which: • the lender agrees not to pursue a deficiency judgment • you agree pay part of the deficiency, or • you agree to repay the deficit over time. Be aware that, if the lender forgives all or part of the deficiency, you might face tax consequences. Should You Let the Foreclosure Go Through? In some states, a bank can get a deficiency judgment against a homeowner as part of a foreclosure or thereafter by filing a separate lawsuit. In other states, an anti-deficiency law prevents a bank from getting a deficiency judgment following a foreclosure. If the bank can’t get a deficiency judgment against you after a foreclosure, you might be better off letting a foreclosure happen rather than agreeing to a deed in lieu of foreclosure that leaves you responsible for all or a portion of a deficiency. (For specific advice about what to do in your particular situation, talk to a local foreclosure attorney.)

If you’re considering completing a deed in lieu, consider talking to a lawyer. Many different foreclosure avoidance options exist, including loan modifications and short sales, and some options might be better than others, especially for specific situations. To find out if a deed in lieu might be right for you or to explore other possible options, contact a lawyer.

Avoiding a Deficiency Judgment

In some states, lenders have the right to sue borrowers for deficiencies after a foreclosure or a deed in lieu of foreclosure. A deficiency is the difference between the amount you owe on your mortgage loan and the price your lender gets for your home when it sells at a foreclosure sale. In other words, if you owe your mortgage lender $300,000 on your house and you default, and the foreclosure sale brings in just $250,000, the deficiency is $50,000. If permitted by state law, the lender can sue you for the $50,000 and get a deficiency judgment—even though it already took the house. With a deed in lieu of foreclosure, the deficiency is the difference between the total debt and the fair market value of the house. As part of the deed in lieu of foreclosure negotiations, you should get your lender to agree to release you from having to repay any deficiency, perhaps in exchange for your agreeing to deliver the house to your lender in good condition. Make sure to get the deficiency waiver in writing. Though, if the lender forgives all or part of the deficiency, you could face tax consequences.

Know Your Options

If you are a distressed homeowner who’s facing a foreclosure, knowing your options is very important. As soon as you realize that you’re in financial distress, call your servicer’s loss mitigation department to find out what alternatives to foreclosure—such as a refinance, loan modification, short sale, or deed in lieu of foreclosure—are available to you. (The servicer is the company that manages your loan account on behalf of the lender. Servicers process borrower payments, manage escrow accounts, and pursue foreclosure for defaulted loans.) You have nothing to lose by calling the servicer and the call might make a huge difference. You will typically be provided a packet of information and documents to complete. If you don’t understand the contents of any of these documents, ask for help, either from an attorney or a free HUD-certified housing counselor. While the foreclosure process can be scary, you have some choice in the matter.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Utah Divorce Code 30-3-34

HIPPA Law Lawyers

Payments On Taxes

Staying Safe In Wildfire Season

Wage Garnishment Law

Utah Divorce Code 30-3-34.5

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from Michael Anderson https://www.ascentlawfirm.com/lindon-utah-foreclosure-lawyer/