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 650 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
Testimonials
Helpful Resources
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?
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?
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...
Contact Us About Your Case
Call Us
(208) 219-7997
Fax: (208) 416-6996
Email Us
Address
Burley Location:101 West 18th Street
Burley, ID 83318
Twin Falls Location: 1346 Fillmore St
Twin Falls, ID 83301
finance.yahoo.com/news/americans-turned-to-new-credit-cards-and-personal-loans-last-year-as-highe... ... See MoreSee Less
Americans turned to new credit cards and personal loans last year as higher prices burned
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The tail end of last year saw a spike in borrowing as rising prices hit consumers hard, with new personal loans up 24% compared to a year earlier, TransUnion said.0 CommentsComment on Facebook
Did you know Abraham Lincoln practiced debtor-creditor and bankruptcy law as a young lawyer.
Before Lincoln was a lawyer, at 24 years old, he went into business to purchase a local general store, but the business failed. The sheriff seized Lincoln's horse, saddle, and surveying equipment, but a substantial sum remained unpaid. Lincoln was not entirely debt free until more than a decade later. As a result, Lincoln had a first hand education by experience in debtor-creditor law.
Both during his business failure and when Lincoln became a lawyer in 1836 at age 27, there was no Federal bankruptcy law, but when Lincoln was 32 years old and had been practicing law for five years, Congress passed the second bankruptcy law in response to the financial crisis, called the Bankruptcy Act of 1841.
For the first time, bankruptcy law permitted voluntary bankruptcies to be filed by debtors, and a debtor could receive a discharge of debt. In addition, any individual could be a debtor, not just a merchant as under the 1800 law. The power to grant the discharge and judge other matters relating to bankruptcy was vested with the United States District Courts.
By 1842 Lincoln was inundated with clients looking for a bankruptcy discharge and fresh start under the new law, and the 33 year old, lanky 6 foot 4 inch tall Lincoln (without yet his iconic beard) could be seen in the U.S. District Court room in Springfield, petitioning U.S. District Court Judge Nathaniel Pope for discharges of debt under the new law.
In 1842, Lincoln was handling numerous local bankruptcy cases as well as referral cases from lawyers outside the county for the one District of Illinois. The referral lawyers found it too expensive to come to the federal court at Springfield to handle uncontested bankruptcies at $ 10 a case. On the other hand, it was profitable for Lincoln to handle them in volume, requiring referral lawyers to pay $ 10 in advance and up to $ 20 more from time to time for court costs and newspaper ads. ... See MoreSee Less
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sg.finance.yahoo.com/news/98-old-classic-candy-brand-181756047.html ... See MoreSee Less
Classic 98-year-old candy brand files Chapter 11 bankruptcy
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Everyone has a candy from their childhood that perhaps they haven't seen in a few years. For me, it's not so much a personal favorite, but Coffee Nips remind me of my grandparents' house, as my grandm...0 CommentsComment on Facebook
www.wsj.com/articles/stg-logistics-wins-access-to-disputed-bankruptcy-loan-3d59a038?st=ATXsZj ... See MoreSee Less
STG Logistics Wins Access to Disputed Bankruptcy Loan
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The $150 million financing package was opposed by minority lenders and a private-equity firm that submitted a competing loan offer.0 CommentsComment on Facebook
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U.S. Foreclosure Rates by State – November 2025
www.attomdata.com
Explore November 2025 foreclosure rates across all 50 U.S. states and their top counties leading in foreclosure activity.0 CommentsComment on Facebook