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.

Loan Sharks

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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Transferring Assets

One of the most hot button topics in the bankruptcy world is the disposal of assets by people who are going to be filing for bankruptcy. Every so often I am asked by folks who are considering bankruptcy as a financial … Continue reading

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What are you afraid of?

The Wall Street Journal is reporting that David Cassidy, famous from The Partridge Family is filing for bankruptcy. In his bankruptcy filing, Mr. Cassidy reported assets and debts each between $1 million and $10 million. Among his largest unsecured creditors are Wells … Continue reading

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Cram down that Clunker

A few years ago the U.S. government established a program called ‘cash for clunkers.’ Essentially, the idea was to provide economic incentives to U.S. residents to purchase a new, more fuel-efficient vehicle when trading in a less fuel-efficient vehicle.  The program was … Continue reading

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Book of Mormon Stories

A Wall Street Journal blog post discussed an interesting bankruptcy case in Illinois. Anna Robinson filed for chapter 7 bankruptcy protection earlier in 2014. When you file for bankruptcy, all of the property you own becomes property of the bankruptcy estate. … Continue reading

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The New Mafia

The Salt Lake Tribune reported yesterday that payday loans in Utah now average 466 percent annual interest, according to a new report issued by the Commissioner of Financial Institutions for the State of Utah. The report said the highest interest charged on … Continue reading

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Asset Protection

Asset Protection I have been asked several times recently what steps a person can take to protect their assets in the unlikely event that they will need to file for bankruptcy in the future. A skilled bankruptcy attorney should be … Continue reading

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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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