4.745 Google reviews
The collection calls can stop the day you file.
Filing for bankruptcy starts an automatic stay, which requires most creditors to stop collection calls, wage garnishment and lawsuits. Your first conversation with Jeremy is free, and nothing is filed until you decide.
- Free consultation
- Payment plans available
- Consultations can often be scheduled the same or the next day
Request a free consultation
Leave your number and Jeremy’s office will call you back.
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- Google rating
- 4.7 from 45 reviews
- Bankruptcy
- Chapter 7 and Chapter 13
- Licensed
- All Utah state and federal courts
- Education
- University of Utah graduate
Your attorney
Jeremy R. McCullough
Jeremy is licensed in all Utah state and federal courts and is a graduate of the University of Utah. He runs a small office in St. George, and clients say he explains the process and calms people down.
- Free consultation
- Payment plans and financing
- Handles both Chapter 7 and Chapter 13
- Filing bankruptcy cases since 2006
- JD, Willamette University, 2006
Reviews
What clients say
Most mentioned in reviews: clear explanations, quick replies and affordable monthly payments.
4.7 · 45 Google reviews
“My firm doesn’t do bankruptcies and so we send clients to Jeremy McCullough. They always have good things to say and we have never have any negative feedback.”
Google review, from a law firm that refers clients
“He made a very stressful process seamless and was there to answer any and all questions I had. I appreciate the ease in communication and would 100% choose him again.”
Google review
“He had my best interest in mind throughout the whole process of filing, walked me through everything and made sure I was comfortable.”
Google review
Sound familiar?
If this is how the month is going, you’re not the only one.
“I let unknown numbers go to voicemail.”
“Part of my paycheck is being garnished.”
“There’s a sale date on the house.”
“The medical bills keep coming.”
“I’m paying minimums and getting nowhere.”
“A creditor is suing me.”
You don’t have to sort it out alone, and the first conversation is free.
The automatic stay
The day you file, most collection has to stop.
Bankruptcy law puts an automatic stay in place as soon as your case is filed. Here is what it generally covers.
Collection calls and letters
Most creditors have to stop contacting you to collect.
Wage garnishment
Garnishment of your pay generally has to stop.
Lawsuits
Most lawsuits to collect a debt are put on hold.
Foreclosure and repossession
A scheduled sale or repossession is generally paused while your case is open.
There are exceptions, for example for child support and for people who have filed before. Jeremy will tell you what applies to you.
Call (435) 627-1260Chapter 7 or Chapter 13
Two kinds of bankruptcy. Jeremy handles both.
Which one fits depends on your income, your debts and what you want to keep. That’s what the free consultation is for.
Chapter 7
Chapter 7 bankruptcy
Chapter 7 discharges most unsecured debt by liquidating any assets that aren’t protected by Utah’s exemptions — many filers keep everything they own because it falls within those exemptions. It’s typically the quicker of the two, often finishing in a few months for a straightforward case.
Ask Jeremy if Chapter 7 fitsChapter 13
Chapter 13 bankruptcy
Chapter 13 reorganizes what you owe into a court-approved repayment plan, usually running three to five years based on your income. It’s often the option for catching up on a house or car payment and keeping the property while you do it.
Ask Jeremy if Chapter 13 fitsWhy Jeremy
A small office that knows you by name.
Free consultation
Talk it through at no cost. Nothing is filed until you decide.
Payment plans and financing
Reviewers mention affordable monthly payments again and again.
Same- or next-day appointments
Consultations can often be scheduled the same day or the following day.
Chapter 7 and Chapter 13
Both chapters, handled by Jeremy himself.
Trusted by another law firm
A firm that doesn’t do bankruptcies sends its clients to Jeremy.
Licensed in every Utah court
Licensed in all Utah state and federal courts.
“We know our clients by name, not by case number.”
Jeremy R. McCullough
How it works
Getting started is easier than you think
- 01
Free consultation
Go through what you owe, what you earn and what you own. No charge, and nothing is filed.
- 02
Choose the right chapter
Jeremy explains whether Chapter 7 or 13 fits, what it would cost and whether filing makes sense at all.
- 03
File, and the stay begins
Jeremy prepares and files your paperwork. The automatic stay starts when your case is filed.
- 04
Through to the end
The court, your creditors and the trustee meeting, with each step explained before it happens.
Paying for it
Affordable monthly payments
Reviewers mention it again and again: legal fees can be paid in affordable monthly payments, and financing is available. Call for a quote based on your situation.
Ask about payment plans“Jeremy was amazing and made the entire process easy to understand and offered affordable monthly payments. Thanks Jeremy for helping to bring us back on track!”
Google review
“Jeremy was very professional, sensible and calming for me as a client pushing through a high stress situation. I really appreciated the option of financing legal services also.”
Google review
Also
Beyond bankruptcy
Jeremy’s practice also covers these areas. Ask about any of them at your free consultation.
FAQ
Questions people ask before they call
Still unsure? Call and ask. The first conversation is free.
Call (435) 627-1260Is the first consultation really free?
Yes. You go through what you owe, what you earn and what you own, at no charge, and nothing is filed until you decide.
How soon can I talk to Jeremy?
Consultations can often be scheduled the same day or the following day. Call the office to find the next opening.
Will filing stop the collection calls?
Filing starts an automatic stay, which generally requires most creditors to stop collection calls, wage garnishment and lawsuits right away. There are exceptions — Jeremy will tell you what applies to your situation.
Can I keep my house or my car?
It depends on the chapter and Utah’s exemptions. Chapter 13 in particular is often used to catch up on a house or car payment while keeping the property. That’s a central part of the free consultation.
What does it cost?
Fees vary by chapter and case complexity. Reviewers mention affordable monthly payments and financing options — call for a quote based on your situation.
Do I have to go to court?
Most Chapter 7 and Chapter 13 cases include a meeting of creditors rather than a courtroom trial. Jeremy explains what to expect and prepares you for each step before it happens.
Does Jeremy handle anything besides bankruptcy?
Yes — estate planning and probate, family law, personal injury, civil litigation and workers’ compensation. Ask about any of them at your free consultation.
Visit
Serving St. George and Cedar City
Jeremy’s office is in St. George. Consultations can often be scheduled the same day or the following day.
- Office
- 1173 S 250 W, Suite #105
St. George, UT 84770 - Hours
- Monday to Friday, 9 am–5 pm
- Phone
- (435) 627-1260
Free consultation
The first conversation is free. Nothing is filed until you decide.
Talk it through with Jeremy, then decide. Consultations can often be scheduled the same day or the following day.
- Free consultation
- Payment plans and financing
- Chapter 7 and Chapter 13
- Licensed in all Utah courts
Request a call back
Leave your number and Jeremy’s office will call you back.
Thanks — Jeremy’s office will call you back soon.