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Peterson Zeyer Law, Idaho bankruptcy attorneys

Canyon County · Idaho

Bankruptcy lawyer in Caldwell, Idaho.

Our Nampa office is a 10-minute drive for most Caldwell residents. We file Chapter 7 and Chapter 13 cases for Canyon County families on a flat-fee basis.

Start my free case review(208) 433-9882
Population
65,000+
Office serving you
Nampa office
Drive time
10 minutes

No cost, no obligation

Free case review for Caldwell residents

Tell us what's happening and we'll get you on the calendar. Most of the process is handled by Zoom, phone, and email, wherever you are in Idaho.

  • Tell us what's going on. It takes a few minutes.
  • Your case review lands on the calendar automatically.
  • Most of the process is handled over Zoom, phone, and email.
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Confidential, and it costs nothing to ask.

Prefer to talk? (208) 433-9882

Why Caldwell families file

Caldwell sees a steady flow of medical debt and post-divorce filings. We've handled cases where the entire problem was one hospital bill that ballooned past the household's monthly income. Chapter 7 wipes that out in 90 days.

What Idaho law lets you keep

Caldwell's lower median income means most filers easily qualify for Chapter 7 under the Idaho means test. That's the fastest, cleanest path to a fresh start.

Where the case is filed

All Caldwell bankruptcy cases are filed in the United States Bankruptcy Court for the District of Idaho. U.S. Bankruptcy Court, District of Idaho, in Boise (30 minutes from Caldwell).

How we serve Caldwell clients

Our Nampa office is about 10 minutes from Caldwell, and most clients rarely need to drive it. Case reviews are handled over Zoom or phone, and the 341 meeting of creditors is held over Zoom.

Common questions from Caldwell clients

Most Chapter 7 cases in Idaho are fully discharged in about 90 days from the day we file. The automatic stay, which stops garnishments, calls, and lawsuits, takes effect the moment we file with the court.

Almost certainly not. Idaho's homestead exemption protects up to $175,000 of equity in your primary residence. If your home equity is below that and you stay current on the mortgage, you keep the house.

Idaho's vehicle exemption is generous, and federal exemptions cover an additional amount. If your car is financed and you keep paying, you keep the car. If it's paid off, the exemption almost always covers it.

Qualification comes down to the Idaho means test, which compares your household income to the state median. If you're below the median, you qualify automatically. If you're above, we run the long-form test, and most people still qualify.

Yes. Medical debt is unsecured and is fully discharged in Chapter 7. So are credit cards, personal loans, payday loans, repossession deficiencies, and most lawsuit judgments.

Recent taxes, child support, alimony, most student loans, and debts from fraud aren't dischargeable. We'll tell you up front, in your free consultation, exactly which of your debts go away and which stay.

File from Caldwell this week.

A free, confidential call with Hyrum Zeyer answers the question that's been keeping you up.

Start my free case review(208) 433-9882
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