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.

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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A New Beginning

Most everyone has heard by now that the city of Detroit is going through bankruptcy. On December 3, 2013 U.S. Bankruptcy Judge Steven Rhodes held that the city of Detroit can move forward in reorganizing their financial affairs through the … Continue reading

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Thanksgiving Proclamation

“No human counsel hath devised nor hath any mortal hand worked out these these great things. They are the gracious gifts of the Most High God, who while dealing with us in anger for our sins, hath nevertheless remembered mercy.” … Continue reading

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One of the primary reasons individuals, couples, and businesses file for bankruptcy is to receive protection from their creditors. Upon filing bankruptcy all creditors must stop every form of collection- whether it be foreclosure, repossession of property, wage garnishments, and … Continue reading

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Cram down for Clunkers

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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Your Credit

A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus. Lenders, … Continue reading

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The Student Loan Monster

Most people are aware that, typically, student loans cannot be discharged through the usual bankruptcy process. Instead, Congress requires student loan borrowers to initiate an adversary proceeding, a separate lawsuit filed within the bankruptcy case, in which they have to … Continue reading

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