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Finding Effective Solutions For Your Financial Crisis

Don’t Let Your Debt Overwhelm You

Debt has a way of overwhelming your life. What may start as a few late or missed bill payments may turn into thousands of dollars of credit card debt, unpaid mortgage bills, medical expenses, and more.

At Idaho Bankruptcy Law, we can help you reclaim your financial life by offering you the legal guidance and assistance you need to find the most effective debt relief option available to you.

Attorney Paul N. J. Ross

Founding lawyer, Paul N. J. Ross, has dedicated his legal career to helping individuals find effective debt relief since 2009. He graduated with his undergraduate degree from Utah State University and with his juris doctor from Oklahoma City University. Paul started in Oklahoma with a limited license and assisted numerous clients through Chapters 7 & 13. Paul returned to his native Idaho and has expanded his bankruptcy practice into Chapters 11 & 12. Paul has filed over 200 bankruptcy cases and treats each case with compassion and dignity. If you find yourself in debt, you may spend a great deal of time and effort worrying over your financial situation. Working with Paul may be the right choice for you to get a fresh start on your financial future.

Bankruptcies Filed

Total Amount Discharged

Years in Business

We Are Here To Help You

STOP Creditor Harassment

Filing a bankruptcy imposes a court-ordered stop on all attempts to collect debt from you.  This is very broad and far-reaching, even to stop the reporting of debts on your credit.  Creditors cannot do anything without permission while the bankruptcy imposed stay is in place.

STOP Repossessions

Depending on the type of bankruptcy, we can even get some items back that have been repossessed.  If you are facing a likely repossession of property in the near future, bankruptcy can assist in helping you keep the collateral.  In some circumstances, we can even change the account balance and interest rate on repayment.

STOP Wage Garnishments

As mentioned above, the court ordered stay will stop collection activities, including garnishments.  Depending on the debt and circumstances, these garnishment activities will not restart when the bankruptcy is over.

STOP Foreclosures

Oftentimes individuals fall behind on home payments due to various circumstances.  Bankruptcy can provide an opportunity to reorganize debt, plan for the future, and by court order get a debt current on payments again.  With enough planning time, a bankruptcy court is a powerful tool in overcoming default notices and pending foreclosure activities.

Got Questions?

We know that navigating through this time can be hard. We are here to help. Check out our Frequently Asked Questions.

Free Consultation

We want you to feel confident about your decision in choosing us. Let us help you find financial freedom. Schedule your free consultation.

Bankruptcy Options

Are you looking to assess your options? We understand, so we have compiled a few resources for you. Learn More


Paul Ross represented me and my wife in our Chapter 11 bankruptcy and we couldn’t be happier with the results. Having sought help from a well established law firm in Twin Falls, the attorney we spoke to referred us to Paul saying he wouldn’t recommend any other firm to handle a bankruptcy. Paul proved to be very knowledgeable, thoughtful, kind, and highly professional. He provided excellent representation throughout the process and always explained clearly our options and the pros and cons of each. Paul certainly cares about his clients. We never doubted that Paul was on our side in negotiations and, in the end, we achieved our goals and our case was closed in less time than such bankruptcies normally take.

– Dean Holmes

Paul is well versed with bankruptcy laws and strives to assist you with information needed through out the entire process. Follow up is very good.
I would recommend him to anyone considering bankruptcy.

– Sandra Albertson

Excellent, experienced, and professional! Made a difficult circumstance much more pleasant and easier to transition to starting over. HIGHLY RECOMMEND!

– Cynthia V.

I had never filed for bankruptcy before and I was so nervous and scared. Paul Ross is an excellent bankruptcy attorney who is very professional but also easily relates to people and understands people’s financial difficulties without personal judgment. Paul eased my fears and concerns and made the whole process go much smoother than I initially anticipated. My stress load was not just lightened, it was completely removed and I am now able to start over again, a fresh start thanks to Paul Ross. His rates are reasonable and he is completely knowledgeable and professional. I recommend Paul Ross to anyone who needs to file bankruptcy!

– Nicole Van Dorn

I was very worried about filing for bankruptcy, but Paul explained everything to me in a way that I could understand. If I ever had a question, Paul answered it right away for me. He is very easy to work with and also very reliable. He does what he says he is going to do.

– Betty S.

Helpful Resources

Who can file for bankruptcy in Idaho?

Who can file for bankruptcy in Idaho?

Federal bankruptcy law is written to permit everyone an opportunity to file bankruptcy.  There are no minimums in debt, no maximums of income, but there are a number of things to consider in Idaho.  Not everyone needs a bankruptcy.  It is a frequent...

What About a Deficiency Claim?

What About a Deficiency Claim?

I have written on how bankruptcy can stop and stall a foreclosure so that a person can keep their home in the face of losing it. However, sometimes a debtor does not know some of their rights before the foreclosure and then lose their home. Idaho does not give the...

Can Bankruptcy Stop a Foreclosure?

Can Bankruptcy Stop a Foreclosure?

The answer is a resounding yes. However, bankruptcy must be catered to your specific needs and will really only be available through a Chapter 13 Bankruptcy Plan. But this is a very powerful tool to help save your home from foreclosure and require the bank to work...

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