Some bankruptcy lawyers, like at my office, will allow clients to put a small deposit down to retain the lawyers for assistance. This assistance at times includes contacting creditors and inform them that the clients are preparing to file bankruptcy.
The Utah bankruptcy trustees have recently started asking for "wages earned but not received as of the day" a person files. Since this is new, many attorneys have not know to mention anything about that. You need to talk with you attorney and see if the trustee will take payments or work some other arrangement. I'm sure your attorney can help you work with the trustee.
Have her look at filing a Chapter 13. By doing so, she can make a modest
payment to the court and keep her trailer while wiping out her desk. She
should use an attorney. Many attorneys, like me, allow most of the attorney
fees to be paid over a 3 to 5 year period in the bankruptcy plan.
I'm unaware of a law that allows you to exempt your tax refund in a Chapter 7. If you anticipate receiving a refund, I would suggest you meet with a lawyer and discuss not filing Chapter 7 until you after deciding what to do with your tax refund. You may be able to use some of your tax refund to pay for attorney fees and other expenses prior to filing a Chapter 7. There are other legal considerations that you can discuss with your lawyer related to your tax refund. If you have already...
A client that travels can make communication inconvenient for both the client and the attorney. Your sister's lawyer is unlikely not speak with you without verbal authorization from your sister. Call the attorney and see what authorization is needed. If she is not happy with her attorney, she needs to communicate that to her attorney and see if things can be resolved. Otherwise, she may want to consider looking at using another lawyer to help her with her case.
You should take the time to meet with a lawyer soon. Once a creditor obtains a judgment, the creditor can attempt to garnish paychecks, levy bank accounts, and lien vehicles and homes. You probably should call a bankruptcy lawyer and schedule a consultation. Most lawyers, like at my office, offer free initial consultations. Take the time to find out your rights and risks.
You might want to get a 2nd opinion from another lawyer. Some personal injury attorneys, like at my office, provide free initial consultations. I see you are in Tooele. Our office is on Redwood Road in South Jordan. (801) 495-4104.
Who did the police find was at fault? If it was your husband, you will need to talk with your insurance company. But if it is the other driver, you should call a personal injury attorney for a free consultation.