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Jeffrey Reid Butler
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Jeffrey Butler’s Legal Guides

12 total


  • Chapter 11: An Overview of How Utah Businesses Can Reorganize Their Debt

    With the slowing economy, many Utah businesses are getting weighed down by debt and some owners think their only option is shutting down. However, Utah businesses can use Chapter 11 bankruptcy business debt reorganization. In addition, individuals with higher incomes with debt li...

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  • Updates on HAFA (Home Affordable Foreclosure Alternatives Program)

    Because so many million homeowners across the United States are struggling to make their mortgage payments and facing foreclosure, the US Treasury Department under Making Home Affordable implemented the Home Affordable Foreclosure Alternatives Program (HAFA). Effective April 5, 2...

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  • Getting Short Sale Approval under the Home Affordable Foreclosure Alternatives (HAFA) Program

    the homeowners cannot qualify under Making Home Affordable for a trial mortgage modification Although both the Home Affordable Foreclosure Alternatives Program (HAFA) and the Home Affordable Modifica

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  • Brief Introduction to Chapter 13 Bankruptcy

    An individual with a steady income who is facing foreclosure or feeling frustrated from a lack of cooperation from creditors may consider a Chapter 13 bankruptcy for bankruptcy protection because it allows an interest-free repayment plan and may allow the individual to keep p...

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  • Brief Introduction to Chapter 7 Bankruptcy

    An individual may consider a Chapter 7 bankruptcy for bankruptcy protection who wants to eliminate unsecured debt such as medical debt, credit cards, personal loans, and utility bills.The individual with a lot of unsecured debt and limited income may be a good candidate for C...

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  • New Home Affordable Modification Program (HAMP) Guidelines Taking Effect on June 1, 2010

    On March 24, 2010, Making Home Affordable issued a Supplemental Directive which states that a servicer may not make a foreclosure referral or conduct a foreclosure sale unless one of the following five circumstances exists: The servicer evaluates the borrower for HAMP and ...

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  • Utah Loan Modification Legislation

    Utah's legislators have recently passed new legislation to include "Foreclosure Rescue and Loan Modification" amendments. This legislation, in part, is due to the challenges faced by Utah homeowners. In 2009, Utah ranked fifth in the United Staes for filing foreclosure, beh...

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  • Active bankruptcy clients get more protection under HAMP, effective June 1, 2010

    Active Chapter 7 and Chapter 13 bankruptcies are no longer automatically declined. If the borrower in active Chapter 7 or Chapter 13 bankruptcy (or attorney or bankruptcy trustee) requests, the servi

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  • Servicers can foreclose under Making Home Affordable (HAMP) by doing 1 of 5 things

    The servicer evaluates the borrower for HAMP and determines that the borrower is ineligible; or This step requires the lender to actually take a loan modification application from a delinquent borrow

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  • Six Tools Used to Collect Child Support

    Both parents need to support their children. Most states use a set formula set by statute to set the child support amount. An attorney practicing family law can show the formula in a given state. If a parent needs to pay child support, below are some ways to enforce the child support order.

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