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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


Idaho Bankruptcy Law
Based on 97 reviews
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T Freeman
T Freeman
20:03 18 Jul 21
Working with Paul was a great experience. He was professional, responsive and no nonsense. I highly recommend his firm.
Lila VanDerMeer
Lila VanDerMeer
09:48 30 Jun 21
Paul is helpful, friendly, extremely knowledgeable about bankruptcy law, and he responded quickly to any questions we... had throughout the process. What more could you ask for in an attorney, he didn't waste any time or money, and we were grateful everything went so smoothly. Thank you Paul!read more
Rae Hirning
Rae Hirning
17:14 23 Jun 21
I am so thankful for the refreshing and relief, I have experienced from my bankruptcy, as difficult as the decision was... for me. I couldn't have asked for a more wonderful team. Mr. Ross's advocacy, thorough knowledge, and kind demeanor and his amazing, friendly, helpful staff made the process feel painless. I greatly appreciate them all! Again, THANK YOU!!!read more
Christi Morris
Christi Morris
03:53 12 Jun 21
We had a wonderful man help us during a horrible time in our lives....we could not have got through it without... him.....Thank you Mr. Ross....our family is doing wonderful. Hope all is well with more
Ashley wolters
Ashley wolters
23:07 11 Jun 21
Paul was amazing I am grateful he was available to help me !! I highly recommend this place they will help you !! Thank... you again for helping me I really appreciate all of you guys !!!!!!!read more
Cosmic Bunny728
Cosmic Bunny728
19:47 10 Jun 21
Very helpful, we didn’t feel like we were being judged as we were going through this very difficult time in our life.... Staff very helpful even after our judgement was more
Sheri Owens
Sheri Owens
19:03 10 Jun 21
Great experience during a difficult time in my life.
Jorge Lemus
Jorge Lemus
20:18 15 Apr 21
One of the best lawyers I have ever worked with I highly recommend Paul Rose and his team they were quick on my... bankruptcy we ran into a couple speed bumps but he took care of it all he was very professional and he accommodated my needs this whole covid thing has made a burden on everybody but he found ways that were beneficial to meread more
Lauren Capps
Lauren Capps
18:20 23 Dec 20
Paul was so amazing! I had just gotten through a tough divorce. Everything was so smooth & easy, thanks to Paul. He let... me make payments & was so easy to work with. I recommend him 100%! Thank you Paul!read more
Marilyn Irish
Marilyn Irish
16:07 23 Dec 20
The people at the firm were responsive, professional, and compassionate. They were patient with my many questions,... often answering the same question several times. As a Senior this was comforting and made me feel safe and supported. I received the outcome I sought. All things considered I would recommend them to more
Emely Regalado
Emely Regalado
16:05 23 Dec 20
Enjoyed working with Paul Ross's office. Bree at the front was awesome, she always got back to me and answered any... questions I had. They are all easy to work with. Definitely more
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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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