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Peterson Zeyer Law, Idaho bankruptcy attorneys

Twin Falls County · Idaho

Bankruptcy lawyer in Twin Falls, Idaho.

We file Chapter 7 and Chapter 13 cases for Twin Falls County residents. The whole process runs by phone, email, and video, so you don't drive to Boise to hire an attorney.

Start my free case review(208) 433-9882
Population
55,000+
Office serving you
Boise office
Drive time
120 minutes

No cost, no obligation

Free case review for Twin Falls 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 Twin Falls families file

Magic Valley households carry a different debt mix than the Treasure Valley: more agricultural and equipment debt, more seasonal income, and the same medical bills everyone else is carrying. Filing works the same way it does anywhere in Idaho, because bankruptcy is federal law and all of Idaho sits in one district.

What Idaho law lets you keep

Idaho's exemptions apply the same in Twin Falls as they do in Boise: up to $175,000 of home equity protected, and a vehicle exemption generous enough that most filers keep the truck they work out of. Seasonal or irregular income often helps rather than hurts on the means test.

Where the case is filed

All Twin Falls bankruptcy cases are filed in the United States Bankruptcy Court for the District of Idaho. U.S. Bankruptcy Court, District of Idaho (the district covers all of Idaho, including Twin Falls County).

How we serve Twin Falls clients

Our Boise office is about 120 minutes from Twin Falls, 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 Twin Falls 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 Twin Falls 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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