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.

$0 down bankruptcy program, Phoenix Bankruptcy Attorneys, My AZ Lawyers


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!


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.



  • Chapter 7 Bankruptcy

  • Chapter 13 Bankruptcy

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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.


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.


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.


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.


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.


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.


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.

The Evaluation is FREE! The Call is FREE! We Can Help!


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