ZERO DOWN BANKRUPTCY

Phoenix Zero Down Bankruptcy Attorneys

Our law firm used to be like many other bankruptcy firms and require clients to pay their balance in full before their case was filed. This is to prevent the attorney’s fees for legal representation from being discharged in the bankruptcy. However, our Arizona bankruptcy attorneys quickly realized that paying bankruptcy fees isn’t our clients’ budgets.  Especially, those whose wages are being garnished, or are struggling to make minimum monthly payments on their debts. Therefore, that is why we decided to adopt a Zero Down Bankruptcy option for Chapter 7 Bankruptcies.

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TAKE ADVANTAGE OF $0 DOWN BANKRUPTCY IN ARIZONA

Filing $0 Down Bankruptcy seems too good to be true.  Thus, it is a great deal for many people in Phoenix, Tucson, Mesa, and throughout Arizona who are struggling financially.  Plus, if bankruptcy is the best method to wipe out your debt, we can help you afford to get your fresh start.  In fact, many of our clients are desperate for relief from wage garnishments, collection actions from creditors, and overwhelming amounts of debt.

Filing Bankruptcy can provide a clean slate financially, and the means to move forward.  In addition, out of control debt affects one’s family, personal, and professional life.  Therefore, it would stand to reason that if a person is indeed in a position to file bankruptcy, they simply cannot find the means to fund a retainer.  Plus, some of our clients stayed in the vicious cycle of missing monthly payments and accruing more debt because they could not get the up-front fees collected.

Using our $0 Down Bankruptcy program, filing for bankruptcy requires zero money out of pocket.  Zero money to wipe out debt.  In other words, zero money to take back control of your life.  As well as, zero money down to stop the phone calls from creditors.  This also means, zero money down to end a wage garnishment.  Along with, zero money down to retain an Arizona bankruptcy attorney who dedicates themselves to protecting your rights as a debtor.  Bottomline, –  zero money down to get out of debt!

CHAPTER 13 – FREE DEBT EVALUATION AND CONSULTATION

A Chapter 13 bankruptcy is a powerful tool that can save your home, or lower loan interest rates.  Our attorneys will come up with a monthly payment plan to repay creditors.  Your first step should be to contact My AZ Lawyers and schedule a FREE debt evaluation and consultation with an attorney.  Each bankruptcy case is unique, so it is important to discuss your debt issues and financial goals with a lawyer.  Next, ask about our $0 Down Bankruptcy program, and find out if you qualify.  We can also help you determine the best means of eliminating your debt and provide options.

The call (480) 833-8000 is free, and the initial consultation is free.  Get started on your debt relief with professional advice.  Our Arizona Zero Down Bankruptcy lawyers can help you get out of debt, and we can also provide outstanding legal bankruptcy protection and representation at an affordable price.

$0 DOWN ARIZONA BANKRUPTCY

DON’T PAY A CENT UNTIL YOUR CASE IS FILED!

  • Chapter 7 Bankruptcy

  • Chapter 13 Bankruptcy

  • Low Fee Guarantee

  • Expert Legal Representation

  • Experienced, Trusted Attorneys

AFFORDABLE PAYMENTS, COSTS, and FEES AFTER YOUR CASE IS FILED!

ZERO DOWN BANKRUPTCY FAQS

ANSWER: 

In a Zero Down Bankruptcy, you will pay both your $335 court filing fee and your attorney’s fees in installments after your case is filed. We are able to offer this option through a process called bifurcation. To bifurcate your case, we will first file a skeleton petition (quick version of your full petition, just the “bones”) free of charge. This activates bankruptcy’s automatic stay of protection, preventing wage garnishment and repossession.

Debts incurred after this date won’t be discharged in the bankruptcy. However, you will still need to submit your full petition within 2 weeks of filing your skeleton petition. In a Zero Down Bankruptcy, you will be charged for the services completed between your skeleton petition being filed and your case being discharged. This allows us to finance your fees without the debt to us being discharged.

ANSWER: 

Zero Down Bankruptcy is beneficial to anyone who won’t be able to save up the money to pay an attorney in full before filing bankruptcy, especially those with upcoming repossessions or wage garnishments. If your wages are being garnished, you can start paying for your bankruptcy after your creditors stop taking 25% of your paychecks.

Another benefit to our Zero Down program is credit reporting. Your payments will be reported, helping boost your credit score after your bankruptcy is filed.

ANSWER: 

You get to decide what your payment plan looks like in a Zero Down Bankruptcy. You will have one year after filing to pay off your balance at 0% interest. This can be down in weekly, bi-weekly, or monthly intervals. You can even choose which day of the month your payments are run, with the first payment being within 30 days of your filing date.

ANSWER: 

Yes- your credit score will not be used to determine your eligibility for our $0 down program. We don’t use credit to determine $0 down eligibility since many people considering bankruptcy don’t have the best credit. Bankruptcy is a tool to help rebuild your credit, so bad credit shouldn’t be a barrier to filing.

ANSWER: 

First of all, you will need to qualify for a Chapter 7 Bankruptcy before you can qualify for our $0 down program. There are two ways to qualify.

The first is by making less than your state’s median income. In Nevada, this number is $41,054 annually or $3,421 per month. This number goes up when you add family members, but their income will count as well. You can also use the Means Test if you don’t qualify through your income level.

If your income is too high to automatically qualify, the Means Test averages your last six months of income and subtracts mandatory, court-approved payments. This calculates your disposable monthly income. If your disposable monthly income isn’t high enough to pay your debts, you will be approved for a Chapter 7.

Qualifying for our $0 down program is much simpler. Is your income $2,000 or more per month? You qualify. If you are 62 or older, you may qualify through the Silver Program. You will be able to utilize our $0 down program if your payments won’t be more than 10% of your monthly income.

ANSWER: 

There are five steps to getting filed in our $0 down bankruptcy program- how long they take depends on you.

1.       Consult with one of our staff members to determine if you qualify for Chapter 7 Bankruptcy and our $0 down program.

2.       Submit copies of your pay stubs, social security card, and driver’s license.

3.       Fill out a client information form.

4.       Sign our fee agreement.

5.       Take an online credit counseling course (about an hour).

The attorney will then file your skeleton petition for you, and you will need to provide the rest of the documents needed for your case within 2 weeks. Your attorney will likely set an earlier deadline so they have time to draft and review your petition. You will need to have $300 or less in your bank account ($600 for married filers) on the day that you file. We may even be able to file your case same-day in certain situations.

ANSWER: 

There are a few drawbacks to filing Zero Down Bankruptcy. We offer discounts for paying in full before your case is filed, so you won’t be able to take advantage of those if you use the $0 down program. Some clients choose to pay in full because they are uncomfortable with already having a debt to repay immediately after the rest of their debts are discharged. Payments in your $0 down bankruptcy will be credit reported, helping your score rise if you make your payments. However, if you fail to make your payments, this will be credit reported as well, causing your score to fall.

If you are still unsure about Zero Down Bankruptcy, one of our experienced staff members can help you weigh the pros and cons for your specific situation. We offer free phone consultations so you can determine your eligibility without even leaving your home. Call to set up your free consultation today.

CONTACT US ABOUT ZERO DOWN BANKRUPTCY

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    HERE’S HOW WE HELP CLIENTS IN ARIZONA WIPE OUT DEBT AND ACHIEVE FINANCIAL FREEDOM

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    WIPE OUT DEBT
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    STOP WAGE GARNISHMENT
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    ELIMINATE MEDICAL DEBT
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    STOP FORECLOSURE
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    ERASE CREDIT CARD DEBT
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    END CREDITOR HARASSMENT
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    GET CONTROL OVER DEBT
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    ACHIEVE FINANCIAL GOALS

    My AZ Lawyers offers the most competitive & affordable pricing in the valley.

    •My AZ Lawyers files your Chapter 7 case for $0 in legal fees before filing.

    •Our law firm files your Chapter 13 case for low money down in legal fees before filing.

    Basically, it works like this:  our bankruptcy team reviews your debt case, then we give you a detailed recommendation how to eliminate your debt.  Then, our firm offers you a payment arrangement that will work ideally for your financial situation.

    CHAPTER 7 BANKRUPTCY WITH MY ARIZONA LAWYERS

    For the majority of Chapter 7 cases, we file the case for $0 in legal fees (you only pay the $335 bankruptcy court filing fee to the bankruptcy court) AFTER filing.  Next, you make arrangements to make low monthly payments for the post-filing work.

    CHAPTER 13 BANKRUPTCY WITH MY ARIZONA LAWYERS

    For most Chapter 13 filings, My AZ Lawyers files your case for little down in legal fees.  (you also pay a $310 bankruptcy court filing fee)

    The remainder of the attorney fees are paid through your Chapter 13 bankruptcy plan.  Payments in a chapter 13 bankruptcy plan are as low as $100 per month depending on your assets and expenses.

    Bankruptcy Law Practice Areas in Arizona | My AZ Lawyers

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    FREE CONSULTATION

    Speak with an attorney who is an expert in the Arizona bankruptcy law. Get the answers and options you need for your specific debt situation. We offer a free initial consultation to offer help with your debt relief. You will not get hassled nor is there any obligation to retain our legal services.

    Payment options available

    PAYMENT OPTIONS AVAILABLE

    If you need to stop a wage garnishment, foreclosure, or repossession immediately, or if you are lacking money up front, we offer affordable payment plans. Using our $0 Down Bankruptcy Program, your case can be filed and you are allowed to pay the remaining fees over time.

    Free debt evaluation

    FREE DEBT EVALUATION

    Let an attorney knowledgable and experienced in Arizona bankruptcy evaluate your debt. Our law firm is dedicated to helping Arizona residents get out of debt. After assessing your debt issue, we can best advise how to provide debt relief options suited to your specific case.

    AREAS WE REPRESENT

    List of Arizona cities we represent

    Experienced ZERO DOWN BANKRUPTCY Attorney at My Arizona Lawyers

    ZERO DOWN DEBT RELIEF ATTORNEY IN ARIZONA

    Our Zero Down Bankruptcy Lawyers can assist you with filing for chapter 7 bankruptcy, chapter 13 bankruptcy, or another needed form of debt relief.  Plus, our Zero Down BK attorneys can assist you with stopping a wage garnishment, saving your home from a foreclosure, or getting you out of a vehicle repossession.  Therefore, if overwhelming debt is causing stress personally, professionally, and financially, contact our firm.

    ✓ Our Zero Down Bankruptcy attorneys will help you rebuild your credit.
    ✓ Filing Chapter 7 Bankruptcy or Chapter 13 will allow you to end bad financial habits.
    Plus,✓Zero Down BK law office can give you the ability to pay your current bills on time.
    ✓ Live your life without stress caused by debt after declaring bankruptcy.
    ✓ Bankruptcy filing gives you legal protection from creditors and debt collectors.

    LOCAL ARIZONA ATTORNEYS