Author Archives: Jason

About Jason

My name is Jason Richards, and I am an attorney in Northern Utah. I run my own practice and have offices in Ogden and North Salt Lake. I grew up in Ogden and attended local public schools. I graduated from the University of Utah Law School with a juris doctorate degree. My practice primarily centralizes on bankruptcy and debt collection. I also specialize in criminal defense and other areas of civil litigation. I represent clients who are suffering from crushing debt that seems hopeless. I have helped many people file for relief under Chapter 7 and Chapter 13 of the United States Bankruptcy Code. I have also helped dozens of clients renegotiate their debt and defend them in debt collection actions with ruthless creditors. If not dealt with promptly and aggressively, creditors will achieve their goal to collect. Bankruptcy is certainly not the solution for everyone. Everybody's situation is different. The best way for you to determine if it is right for you is by consulting with a local bankruptcy attorney. Bankruptcy has helped millions of Americans receive a fresh start and financial independence.

Bankruptcy for Millionaires

Last year, David Adkins, more famously known as Sinbad, filed for Chapter 7 bankruptcy in California. Sinbad’s case, in my view, completely underscores the unfairness of the 2005 amendments to the bankruptcy code known as the Bankruptcy Abuse Prevention and … Continue reading

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In 2012 the Utah State Bar Pro Bono Commission created a project called “The Learned Hand.” (Learned Hand is a legendary federal judge from New York). The program was designed to encourage Utah attorneys to take more pro-bono cases in … Continue reading

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The Bankruptcy Stigma

Walt Disney Filing for bankruptcy protection is not an easy thing to do. It seems to me that one of the biggest obstacles to people finally filing for bankruptcy is the social stigma attached to it. Many people think that … Continue reading

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Pre-Bankruptcy Asset Protection

“I got my mind on my money and my money on my mind” Snoop Dogg, circa 1996- (as quoted by the Yale Book of Quotations*) Every so often I will have a client in my office that is on the periphery … Continue reading

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Ahead of the Game

When your debt has begun to grow out of control, the worst thing you can do is simply ignore it. Almost always difficulty in repaying debt begins when a person’s income is cut. Whether its through a job loss, divorce, … Continue reading

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In my experience one of the most pressing matters leading people into filing for bankruptcy is collection on judgments. A vast majority of people, when they receive mail that they don’t want to open, they throw directly to the dumpster. I … Continue reading

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According to a study commissioned by the Utah Department of Financial Institutions, Utah pay day loan companies charged an average of 473.52 percent interest. “At least one Utah payday-loan company charged an astronomical 1,564 percent annual interest last year — meaning it collected … Continue reading

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