I am David M Cook, a Utah Bankruptcy Attorney with almost twenty years experience helping Utah families and individuals overcome their debt burdens through Chapter 7 and Chapter 13 bankruptcy. I have helped families stop foreclosures, avoid repossessions, eliminate wage garnishment and end the stressful, near endless stream of creditor and collection agency calls. I put them on the path to restoring their credit and returning to a normal healthy life. I know what struggles can cause overwhelming debt - be it injury, illness, lay offs, divorce, death of a family member, predatory credit practices from spurious businesses, and more - and I have helps them to manage their debt with the thorough application of U.S. bankruptcy law.