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.

Undue Hardship of Student Loans

Posted on April 19, 2016

Many different financial experts predict that student loan debt could be the next financial time-bomb facing the U.S.economy (WSJ, MarketWatch, NPR, Forbes). One particular reason for this, is that the Bankruptcy Code provides practically no relief for “student loans.” Traditional, or … Continue reading →

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New Utah laws affecting bankruptcy

Posted on March 8, 2016

The Utah legislature is poised to pass several laws this session that will directly impact bankruptcy cases in Utah. Most people know that bankruptcy cases are governed by federal law (Title 11 of the United States Code). However– changes in laws that … Continue reading →

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The Stigma

Posted on November 2, 2015

Every so often I like to re-publish this post. Bankruptcy is a financial tool to get back on your feet. It is provided for in the constitution of our country. Walt Disney Filing for bankruptcy protection is not an easy … Continue reading →

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Bankruptcy Fraud and Tween Dancing

Posted on October 26, 2015

Abbey Lee Miller, star of Lifetime show “Dance Moms” was recently indicted on charges of bankruptcy fraud. Based on the show description- I’m not surprised that I’ve never heard of it: According to Wikipedia, ‘Dance Moms’ ” follows the Abby … Continue reading →

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“…You can’t get a dolla outta me!” 50 Cent

Posted on August 4, 2015

My favorite early 2000’s rapper 50 Cent is all over the news with his bankruptcy filing. Here’s the short of it: 50 Cent, born Curtis Jackson III, posted a 13-minute sex tape of a woman named Lastonia Leviston in an attempt … Continue reading →

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Medical Bills

Posted on June 2, 2015

What is it that leads someone into filing bankruptcy? Bad spending habits? Recklessness? Credit cards? Wrong. In 2013 the foundation NerdWallet published a report stating that medical bills were the primary cause of bankruptcy filings. The report estimates that 3 … Continue reading →

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Loan Sharks

Posted on May 5, 2015

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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