Ahwatukee, Arizona Bankruptcy Attorneys

Chapter 7 Bankruptcy ATTORNEYS IN Ahwatukee

Our Ahwatukee Chapter 7 bankruptcy lawyers can provide financial freedom by experienced and professional legal assistance. When you’re life is affected in every way by debt and debt stress, you may consider Chapter 7 bankruptcy as the lifeline you need. Filing a Chapter 7 bankruptcy is an option to eliminate unsecured debts and begin a bright financial future with a “Fresh Start”.

Ahwatukee, Arizona Chapter 7 bankruptcy attorney

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Ahwatukee Chapter 13 Bankruptcy ATTORNEYS

The Ahwatukee Chapter 13 bankruptcy attorneys at our debt-relief law firm understand that good people of Ahwatukee need financial help at times. What you might not know, however, is that, even when experiencing crushing debt, there are options. Allow our Arizona bankruptcy legal team assist you and help you understand the Chapter 13 bankruptcy process.

Ahwatukee, Arizona Chapter 13 bankruptcy attorney

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Ahwatukee ZERO DOWN ($0) TO FILE Bankruptcy

$0 down bankruptcy program allows Ahwatukee residents needing to file bankruptcy to achieve debt relief. Financial freedom may become a reality for those who cannot fund the legal fees up front. File bankruptcy with our Ahwatukee Bankruptcy Attorneys with no money down. Ahwatukee clients also take advantage of our free consultations and debt evaluation, either in office or by phone.

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How Can Bankruptcy Help Me?

Bankruptcy in Ahwatukee is a great form of Arizona Debt Relief. There may be many reasons why you may decide to declare bankruptcy in Ahwatukee. The most popular “pro” of filing bankruptcy is the fact that it eliminates overwhelming unsecured debt. Some of the unsecured debt that bankruptcy eliminates includes: Credit Card Debt, Medical Debt, Personal Loans, and Old Utility Bills are just some of the examples of unsecured debt.

In many cases for people in Ahwatukee struggling with debt there is overwhelming Medical Bills. Additionally, Credit Card Bills (and their outrageous interest rates) may have become too much of a burden to pay off or even keep up on minimum monthly payments. Also, bankruptcy will be of assistance if you are trying to keep your house or car. Contacting an Ahwatukee Debt Attorneyis sure to be beneficial.

An experienced lawyer will apply the Bk rules of both Chapter 7 and Chapter 13 bankruptcies to your particular situation. Therefore, your bankruptcy attorney after looking at your specific situation determines which option may be better for you. Whereas, a Chapter 7 bankruptcy in Ahwatukee is a “fresh start”, where 100% of your unsecured nonpriority debt is discharged. Whereas, a Chapter 13 bankruptcy (also called a Wage Earner’s Bankruptcy) helps you reorganize your debts, including tax debt and student loans. Additionally, declaring bankruptcy in Ahwatukee can also help you end lawsuits, wage garnishments, repossessions, and judgment liens.

Ahwatukee bankruptcy FAQs

AHWATUKEE, ARIZONA ATTORNEYS ANSER FREQUENTLY ASKED BANKRUPTCY QUESTIONS

Will bankruptcy stop a creditor from garnishing my wages?

ANSWER:

Yes. All wage garnishments will be halted once your case is filed. This is because you are protected by an automatic stay when you have an active bankruptcy. Also, garnishments can only be stopped for pay periods that have not yet been completed.

Some debts can’t be discharged in a bankruptcy. Therefore, if you are being garnished for one of these, such as child support, the garnishment will resume once your case is discharged or dismissed. Plus, your garnishment is a result of a dischargeable debt, such as credit cards, the garnishment will be permanently stopped once your case is discharged.

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If I file bankruptcy, is my credit completely destroyed for 7 years?

ANSWER:

While it is true that a bankruptcy will remain on your credit for 7-10 years (for Chapter 13 and Chapter 7, respectively), your credit will be far from destroyed. Although, you can expect a small decrease in your score, if any, if you already have good credit once you file. Thus, Ahwatukee Bankruptcy Filers with less-than-average scores will see no affect or a slight increase after filing. Therefore, there are many things you can do after your case is completed to help rebuild your credit.

For Chapter 7 filers in Ahwatukee, financing a new (or used) vehicle is a great option to help their credit scores. Additionally, you should be able to finance a vehicle shortly after your case is filed. Also, you will need to wait until discharge to get new credit cards, but this is another way to rebuild your credit. Our firm’s $0 down program uses credit reporting to help boost your score as well.

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Is there a limit as to how much or how little debt I need to have to qualify for filing bankruptcy?

ANSWER:

While there is no minimum debt required to file bankruptcy, we typically recommend filing once unsecured debt reaches about $10,000. In a Chapter 7 bankruptcy, there is no ceiling on the amount of debt you can discharge. In a Chapter 13, the limits are $394,725 in unsecured debt and $1,184,200 in secured debt.

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I already filed bankruptcy before. Am I eligible to file again?

ANSWER:

If you have filed a Chapter 7 Bankruptcy that was dismissed, you will have to wait 180 days before you can file another Chapter 7. Plus, if your Chapter 7 is successfully discharged, you will have to wait 8 years before you can file another Chapter 7. Plus, you will need to wait 4 years until you are eligible to file a Chapter 13. Additionally, if you have completed a Chapter 13 Bankruptcy, you will need to wait 2 years before filing another Chapter 13, and 6 years before filing a Chapter 7.

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Do I have to go to court?

ANSWER:

Both Chapter 7 and Chapter 13 filers will need to attend a 341 Meeting of Creditors. This will be your creditors’ opportunity to show up and ask questions about your bankruptcy petition. The trustee will also ask you about your case. For most bankruptcy filers, it is a relatively simple procedure that shouldn’t take more than half an hour. In Chapter 13 Bankruptcies, there is also a hearing to confirm your payment plan. If you intend to reaffirm any of your financing agreements, you will need to attend an additional reaffirmation hearing.

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How do I find an experienced Bankruptcy Attorney?

ANSWER:

If you are comfortable discussing it with others, you should ask friends or family members that have previously filed bankruptcy for attorney referrals. However, if no one can give you a referral, your next best bet is to online search for attorneys. Additionally, The Arizona State Bar website should have an attorney search feature. Plus, Google, Yelp, and Avvo searches provide the benefit of client reviews. Lastly, if you have an attorney for another matter such as divorce or employment, they may be able to recommend a bankruptcy attorney.

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What is Zero Down Bankruptcy?

ANSWER:

Zero Down Bankruptcy is a payment plan option some attorneys provide that allows you to pay for both your bankruptcy court filing fee and your legal representation fees after your petition is filed. Thus, instead of paying your case in full before you file, you will have a post-filing payment plan for up to 12 months at 0% interest. Your payments will be credit reported. Therefore, filing bankruptcy for $0 down in Ahwatukee can be easily done with the help of our experienced BK Attorneys.

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What is a Chapter 7 Bankruptcy?

ANSWER:

Chapter 7 Bankruptcy is the most popular Chapter of bankruptcy for people in Ahwatukee, Arizona. Plus, in a Chapter 7 bankruptcy, there is no repayment plan as all unsecured debts are wiped away. Ch 7 is also known as a liquidation bankruptcy.

There are many types of debts that are discharged in a Chapter 7. Some of these debts include: credit cards, past due utility bills, medical bills, registration loans, personal loans, and some back taxes. Therefore, before filing with an experienced Ahwatukee bankruptcy lawyer, you will be required to submit a petition with all of your financial information. Also, you will need to take credit counseling courses and attend a 341 Meeting of Creditors. Contact our Ahwatukee bankruptcy lawyers for additional questions as to what is a Chapter 7 bankruptcy.

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How long does a Chapter 7 Bankruptcy stay on your credit?

ANSWER:

Chapter 7 Bankruptcy is the most popular Chapter of bankruptcy for people in Ahwatukee, Arizona. Whereas, in a Chapter 7 bankruptcy, there is no repayment plan as all unsecured debts are wiped away. Additionally, Ch 7 is also known as a liquidation bankruptcy.

Chapter 7 bankruptcy remains on your credit for 10 years. Although, a Chapter 7 Bankruptcy stays on your credit for a decade , it is never too soon to start preparing for life after a bankruptcy in Ahwatukee. Plus, while it will be two years until you are eligible for FHA home loans, you can still rent and open new lines of credit until the bankruptcy is off your credit.

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Ahwatukee, Arizona Bankruptcy Lawyers

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What is a Chapter 13 Bankruptcy?

ANSWER:

A Chapter 13 Bankruptcy is a reorganization of your debts. They will be spread out in a payment plan that lasts 3-5 years. If you have any arrearages on your mortgage or other loans, a Chapter 13 gives you the chance to catch up gradually.

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How does a Chapter 13 Bankruptcy work?

ANSWER:

Your payment plan will be determined using your income, reasonable expenses for your family size, and the amount of debt. Any outstanding balance on your vehicles, a fee for the trustee, your arrearages, your attorney’s fees, and a portion of your unsecured debts will be included.

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What is the Automatic Stay?

ANSWER:

The Automatic Stay goes into effect once your bankruptcy is filed. It protects you against different forms of debt collection, including wage garnishment, repossession, and foreclosure. The stay remains in effect until your case is discharged or dismissed. At that time, collection on non-dischargeable debts will resume, but collection on dischargeable debts will be halted permanently.

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How is the Means Test conducted?

ANSWER:

The Means Test will take your and your spouse’s (if applicable) income, subtract paycheck deductions, and also subtract reasonable monthly expenses set forth by the court. Even if your income is above your state’s median level, you can file a Chapter 7 bankruptcy if the number you reach from the Means Test is low enough. You should consult an attorney to make sure you conduct your Means Test correctly.

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AHWATUKEE, ARIZONA ZERO DOWN BANKRUPTCY ATTORNEY

Ahwatukee Zero Down Bankruptcy

About our $0 down bankruptcy filing program in Ahwatukee, Arizona.

Our Ahwatukee Zero Down debt relief law firm offers a program that costs zero down to file bankruptcy. Our lawyers will file your bankruptcy case with no money down. After filing a petition, the bankruptcy is financed after you have rid yourself of your debts through a finance program (for up to a year). If the price or coming up with a payment is preventing you from declaring bankruptcy, our $0 down BK program could be the solution to your financial and debt issues.

At My Arizona Lawyers, PLLC our bankruptcy department and debt relief attorneys offer a zero down BK filing option. Therefore, this means that with no money down — $0 down bankruptcy — you are now able to end debt stress like creditor harassment immediately. Also, the moment you declare bankruptcy, you can stop judgements, repossessions, wage garnishments, bank levies, foreclosures, and all creditor harassment. Additionally, our firm offers same-day bankruptcy filings, and bankruptcy by phone. Therefore, contact our legal staff for more information about our zero down bankruptcy program and to schedule a free debt evaluation with an experienced Arizona bankruptcy lawyer.

Often, individuals and families are so broke that they need information regarding bankruptcy so they can consider options and make good decisions to get out of debt. Overwhelming debt is frustrating, but it does not have to be hopeless. It will cost you nothing to consult with an attorney about your specific legal situation, and it will cost you no money up-front to file bankruptcy. Contact an Ahwatukee Zero Down Bankruptcy Attorney and learn how you can eliminate or reduce debt through bankruptcy protection for zero money down to file.

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