“There’s Life After Bankruptcy”

If you can’t pay the debt, you need to file for bankruptcy to get out of it.
It’s not about salvaging the past; it’s about claiming your future.


Filing for bankruptcy is one of the most difficult decisions a person can face. With decades of experience in bankruptcy law and debt relief, attorney Paul Toscano has the patience and knowledge to help you regain your footing and reclaim your future.

Criminal Defense

Regardless of the details of your criminal case, attorney Peter Guyon has the experience and temperament necessary to protect your rights and secure your future. This is no time to wait and see — contact us to schedule your free consultation.


Straightforward. Friendly. Non-judgmental.

The Law Firm of Peter & Paul is committed to helping you face your overwhelming debt or criminal charge head-on. No matter how dire your situation may seem, our trusted Salt Lake City attorneys can help. Contact our office now to schedule your free consultation.

Former Bankruptcy Trustee – Over 25 Years Experience

Attorney Paul Toscano | Salt Lake City | The Law Office of Paul Toscano, PCPaul Toscano is a skilled Utah bankruptcy attorney with years of experience helping individuals and businesses file for bankruptcy. He primarily represents debtors in Chapter 7 bankruptcy liquidation cases,Chapter 13 bankruptcy adjustment cases and Chapter 11 business bankruptcy reorganization cases. He also provides financial counseling for Utah consumers and businesses to better help them avoid bankruptcy. He is committed to providing a judgment-free environment and will give you honest, straightforward legal guidance. Learn More »

20 Signs of a Bad Bankruptcy Lawyer

The Signs:

  1. Publishes an ad or web site that doesn’t mention or hides the word “bankruptcy.”
  1. Promises “debt relief” but does not make the required statement that “This law office is a debt relief agency – we help people file for bankruptcy relief under the Bankruptcy Code.”
  1. Guarantees a result, OR overstates experience, OR advertises as the “best” or “only” attorney to provide a particular service.
  1. Doesn’t offer a free first consultation.
  1. Asks clients to borrow money from a specific loan outfit to pay bankruptcy fees or costs.
  1. Doesn’t charge enough upfront to file the case (so that you can be charged more fees later to complete the job).
  1. Doesn’t require a signed written contract that spells out the details and limits of the legal representation.
  1. Doesn’t agree in writing to represent you through the First Meeting of Creditors for the fee you pay.
  1. Spends only a few minutes with you before turning you over to non-lawyer assistant(s).
  1. Gets paid for client or bankruptcy referrals.
  1. Doesn’t personally explain the difference among Chapter 7, Chapter 11, and Chapter 13 bankruptcies.
  1. Doesn’t provide written instructions and the congressionally required disclosures explaining the different bankruptcy options.
  1. Doesn’t require you to provide financial documents such as bills, credit reports, bank statements, tax returns, proof of ownership of vehicles, etc.
  1. Doesn’t personally review the facts of your case with you.
  1. Doesn’t explain the “Means Test” and other eligibility requirements for each type of bankruptcy case.
  1. Attempts to put you in a more expensive Chapter 13 when you are eligible and better served by filing a Chapter 7 case.
  1. Unreasonably resists or refuses to respond to your texts, letters, emails, or phone calls.
  1. Unreasonably threatens to withdraw as your attorney, especially to avoid handling a problem that arises in your case prior to the First Meeting of Creditors.
  1. Withdraws from your case without your consent because of a “conflict of interest” without specifying the nature of the conflict or the time the conflict arose.
  1. Allows you to pay attorney fees for a Chapter 7 case in installments after the case is filed without reporting that arrangement in the papers filed with the bankruptcy court.

If your attorney is exhibiting any of the behavior listed, start waving your red flag and get away as soon as possible. You need a professional that cares for your needs and sees you as an individual not a number. Call Paul Toscano to schedule your free initial consultation.

Providing the People of Utah with Bankruptcy Legal Assistance and Criminal Defense.


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