Practice Areas

Idaho Debt Attorney



At Idaho Bankruptcy Law, we are committed to helping our clients escape creditor harassment by finding the most effective and efficient way to eliminate their insurmountable debt. Contact our firm to learn more about how we can help you. 

Led by founder and Idaho bankruptcy lawyer Paul N. J. Ross, our firm will help you explore your debt relief options, including Chapter 7 bankruptcy and Chapter 13 bankruptcy. We understand how overwhelming your finances may be; our friendly and honest staff is prepared to help you regain control.

Helping You Regain Control of Your Unmanageable Finances

Debt lawyer Paul N. J. Ross represents individuals and business owners throughout Southern Idaho in bankruptcy matters involving:



Chapter 7 Bankruptcy

When you consult with our firm, we will help you understand Chapter 7 bankruptcy, the benefits to filing and how it will affect your unique financial situation. Our lawyer will work with you to determine your eligibility and ultimately guide you through the process if you choose to file for Chapter 7 bankruptcy.


Chapter 13 Bankruptcy

Our attorney will explain Chapter 13 bankruptcy to you in order to help you understand how it will affect your finances. We will discuss the benefits, as well as the differences between Chapter 7 and Chapter 13 bankruptcy — helping you figure out if Chapter 13 bankruptcy is right for you.

Our goal is to help you find the best debt reduction strategy for you.

That means we will help you understand all your legal options. Paul N. J. Ross will clear up any bankruptcy myths you may have had, as well as explain how bankruptcy will affect your specific financial situation when it comes to cram downs and lien stripping or reaffirmation, redemption and ride-throughs. If you are currently in the process of divorce or are merely considering it, we will help you understand the issues you may face involving community property and bankruptcy.

Answering Your Questions


In addition to providing thorough legal guidance throughout the bankruptcy process, Idaho Bankruptcy Law can help you answer your debt relief questions such as:


What is Bankruptcy?

In a nutshell, bankruptcy is the state in which a person or organization cannot repay the debts owed to others. 


Is Bankruptcy morally wrong?

No shame should be felt in considering bankruptcy. Bankruptcy allows a party to rise out of the mire of debt for the rest of your life.


Must I have an Attorney?

Bankruptcies require a great deal of careful attention to detail, most people trust an attorney to make sure those details aren’t missed.


How does bankruptcy help in credit scores?

One year after filing bankruptcy, your credit score can gain half or more of what it lost because of the bankruptcy.


What about debt consolidation?

Debt consolidation or reduction does not change how the creditors report and can actually do damage for longer than a bankruptcy can.


What about Divorce?

 As part of the typical divorce decree, spouses are responsible 50-50 for a number of debts and other debts are assigned solely to one of the spouses.


Do I have to list all property?

Under bankruptcy law, individuals are required by law to disclose all his estate, including potential money owed to him.


Am I required to do Credit Counseling?

Before an individual can file bankruptcy, that person is required to complete a “credit counseling course”.


What is Automatic Stay?

It is a powerful medicine for curing almost all the initial problems that come with insolvency.


Can bankruptcy stop a foreclosure?

The answer is a resounding yes. It is a very powerful tool to help save your home from foreclosure and require the bank to work with you to get you back in control.


What about a Deficiency Claim?

The dreaded deficiency haunts so many people after repossession and sale of collateral.  But once the collateral is gone, it is just another debt treated like all the rest and usually has very little bite in bankruptcy.  

More Frequently Asked Questions


Contact Us Today 

We invite you to contact Idaho Bankruptcy Law at 208-219-7997 to schedule a free initial phone consultation regarding your bankruptcy needs. Our law office hours are Monday through Friday, from 8 a.m. to 5 p.m. and evening and weekend appointments by special request. We are able to make home calls or appointments closer to your location. Spanish services available.

Contact Us About Your Case

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