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Peterson Zeyer Law, Idaho bankruptcy attorneys

Ada County · Idaho

Bankruptcy lawyer in Meridian, Idaho.

Meridian is one of the fastest-growing cities in the country, and that growth has come with growing financial strain. We serve Meridian residents from our Boise office, 15 minutes up I-84.

Start my free case review(208) 433-9882
Population
135,000+
Office serving you
Boise office
Drive time
15 minutes

No cost, no obligation

Free case review for Meridian 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.

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Why Meridian families file

Many of our Meridian clients are dual-income households who looked stable on paper until a job change, medical event, or business setback flipped the math. Bankruptcy is not a moral failing. It is a legal protection that Congress wrote for exactly this kind of situation.

What Idaho law lets you keep

Meridian's median home value puts homeowners over the federal homestead cap but well within Idaho's $175,000 state exemption. Filing in Idaho almost always means keeping the house.

Where the case is filed

All Meridian bankruptcy cases are filed in the United States Bankruptcy Court for the District of Idaho. U.S. Bankruptcy Court, District of Idaho, in Boise (15 minutes from Meridian).

How we serve Meridian clients

Our Boise office is about 15 minutes from Meridian, 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 Meridian 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 Meridian 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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