Ahwatukee Bankruptcy Services

Dedicated Bankruptcy Attorneys In Ahwatukee, AZ

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Ahwatukee Bankruptcy Service Team At My AZ Lawyers

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Ahwatukee Bankruptcy Attorney

Our team at My AZ Lawyers has handled bankruptcy for over a decade as a reputable Ahwatukee bankruptcy law firm. Our sound guidance and expert legal counsel helps pave the way for individuals or businesses who are facing the overwhelm of unpaid debts or other financial concerns.

The first step toward your financial freedom is contacting My AZ Lawyers and discussing your situation with a qualified Ahwatukee bankruptcy lawyer in your area. Call today at (520) 779-0777 to schedule your consultation!

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    Qualified Bankruptcy Lawyers In Ahwatukee

    Best Rated Attorneys Providing Bankcrupty Services In Ahwatukee, AZ

    Some of the top employers in Ahwatukee include the public schools, government and low-paying companies like retail establishments. Therefore, as the economy continues to limp along in these sectors and budget cuts continue to be made, many residents are struggling to make ends meet. Thus, some people in Ahwatukee may find themselves in over their heads financially. These people seek debt relief and a remedy for their struggles. Possibly, declaring bankruptcy in Ahwatukee is the solution that many people need.

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    Glendale Bankruptcy Lawyers

    Bankruptcy Courts in Arizona

    PHOENIX

    343 West Roosevelt,
    Suite #100
    Phoenix, AZ 85003

    (602) 609-7000

    Get Directions

    TUCSON

    2 East Congress St.,
    Suite #900-6A
    Tucson, AZ 85701

    (520) 441-1450

    Get Directions

    Yuma

    98 W. First St., 2nd Floor, Yuma, AZ 85364

    (602) 682-4000

    Get Directions

    Flagstaff

    23 N. San Francisco St.,
    Flagstaff, AZ
    86001

    (602) 682-4000

    Get Directions

    Bullhead City

    2225 Trane Road,
    Bullhead City,
    AZ 86442

    (602) 682-4000

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    Ahwatukee Bankruptcy Lawyer

    Payment Plan Options to file Bankruptcy in Ahwatukee – File Now Pay Later!

    Ahwatukee Bankruptcy Services

    Ahwatukee Chapter 7 Bankruptcy Attorneys

    An Ahwatukee Chapter 7 bankruptcy is also known as liquidation bankruptcy. Plus, Chapter 7 is also referred to as this because assets may be used to pay off your creditors. However, if Chapter 7 is the right fit for you it will be determined through a means test. Also, this test to determine which chapter to file is administered during a free consultation with our Ahwatukee Chapter 7 bankruptcy lawyers. Plus, the moment our Ahwatukee BK attorneys file for Chapter 7 bankruptcy an automatic stay prevents all collection attempts from creditors. Also, the length of this automatic stay varies. Therefore, contact your Ahwatukee bankruptcy lawyer regarding the terms of a Chapter 7 bankruptcy and its implications in your personal financial situation.

    Our Ahwatukee Bankruptcy Team of Bankruptcy Lawyers

    Additionally, our Ahwatukee bankruptcy attorneys will make sure that every document regarding your bankruptcy is filed completely and correctly. Thus, by hiring a competent and experienced bankruptcy attorney, you assure that nothing gets overlooked. Therefore, declaring bankruptcy can be stressful and intimidating. However, with appropriate legal counsel, you relax knowing that you are on the road to a brighter financial future. Additionally, our BK attorneys understand the emotional toll debt and bankruptcy has on our clients. Thus, the stress of debt is why we work swiftly and efficiently so that you can get a good night’s sleep sooner.

    Ahwatukee Chapter 13 Bankruptcy Lawyers

    An Ahwatukee Chapter 13 bankruptcy is also known as a reorganization bankruptcy, because your debts are reorganized by a payment plan that allows you to pay off your creditors over the course of three to five years with your monthly income. Unlike in a Chapter 7 bankruptcy, you will probably be able to keep most if not all of your assets as they are not used to satisfy the claims of your creditors. Additionally, Chapter 13 is a consumer bankruptcy that is designed to alleviate the financial burden that our clients carry with them while trying to keep up with their bills.

    Ahwatukee Bankruptcy Myths Uncovered

    Myths and Truths Regarding Bankruptcy In Ahwatukee, Arizona

    Common Fallacies About Filing for Bankruptcy

    As the best bankruptcy attorneys in Ahwatukee, My AZ Lawyers knows that there are many misconceptions and misunderstandings surrounding bankruptcy. While the process is certainly complex and requires skilled guidance, My AZ Lawyers can help set the record straight by answering any questions or concerns you have regarding a Chapter 7 or Chapter 13 bankruptcy.

    Many debts aren’t eligible for discharge in Chapter 7 bankruptcy. Domestic obligations like child and spousal support can’t be included in your bankruptcy. Taxes may only be discharged if they have been due for 3 years, filed for 2, assessed at least 240 days prior, and no fraud was involved in the tax filing. Student loans are only dischargeable in rare, extenuating circumstances. If you have a money judgment or restitution against you for reckless conduct such as DUI, this also can’t be discharged in your bankruptcy.

    Your 401K, pension, and other retirement accounts will often be protected in bankruptcy. Assets can be protected in Chapter 7, up to a certain amount of equity known as an “exemption.” In Arizona, you can have $150,000 equity in your home and $6,000 equity in your vehicle. The vehicle exemption increases to one $12,000 vehicle or two $6,000 vehicles for married filers. There are additional exemptions for all types of personal property, like clothing, furniture, appliances, jewelry, books, musical instruments, tools, and more. Talk to a bankruptcy attorney in your area to make sure all of your assets will be protected.
    Cashing in your 401K prematurely can cost you later on in taxes. If you try to pay your debts with your 401K and end up filing bankruptcy anyway, you will have wasted your retirement savings for nothing. Your 401K will most likely be exempt, or protected, in your bankruptcy, so you should at least consult with a bankruptcy attorney before withdrawing from your 401K.
    Common Fallacies About Filing for Bankruptcy In Ahwatukee
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    As experienced Ahwatukee corporate bankruptcy attorneys, My AZ Lawyers can help you file a Chapter 7 or Chapter 13 bankruptcy so that you can take the first step toward financial freedom from your debts. Even the best people can fall behind in their payments and find themselves in financial trouble, so don’t hesitate to call us!

    Our Ahwatukee bankruptcy lawyers have the experience and knowledge to help you walk through our low cost bankruptcy services and begin working toward being debt-free.

    Chapter 7 – Bankruptcy In Ahwatukee

    As the most common form of bankruptcy filed in Arizona, Chapter 7 is designed to give individuals or businesses a fresh start by eliminating most debt. It allows debtors to keep certain assets while erasing all dischargeable debt so you can begin to move forward.

    Filing for Chapter 7 bankruptcy in Ahwatukee, Arizona

    The primary purpose of filing a Chapter 7 bankruptcy is to eliminate certain kinds of debt. In order to file a petition, bankruptcy court needs a case filing and administrative fees. You would then complete the official forms with an Ahwatukee Chapter 7 bankruptcy attorney.

    Chapter 7 – Liquidation Bankruptcy

    Liquidation bankruptcy is another term used for a Chapter 7. It is a court-supervised process involving a trustee who manages the case by taking over assets, liquidating them, and distributing the cash to debtors. Our Ahwatukee business bankruptcy lawyers can help you through this process.

    Chapter 7 – Ahwatukee Bankruptcy Discharge

    A bankruptcy discharge is granted within a few months after filing a Chapter 7. This is a permanent order stating that you are freed from paying back all debts listed in the case. It is important to note that only dischargeable debts are erased.

    $0 Down Bankruptcy In Ahwatukee, Arizona

    If you are considering filing bankruptcy, contact the Ahwatukee best bankruptcy attorneys at My AZ Lawyers to learn about our zero down program. The zero down option allows you to file now and pay later, so there is no stress about the legal fees.

    Ahwatukee Chapter 13 Bankruptcy Attorneys

    In a Chapter 13, your debt is reorganized into a 3-5 year repayment plan, allowing more flexibility to face the overwhelming mountain of debt. If you need to stop foreclosure or deal with non dischargeable debts, a Chapter 13 bankruptcy may be the best option.

    Ahwatukee Chapter 7 Bankruptcy Lawyers

    Because a Chapter 7 bankruptcy is the most commonly filed type in Arizona, our Ahwatukee affordable bankruptcy lawyers at My AZ Lawyers know exactly how to help you through the process. We know you had no intention of getting yourself caught in a mountain of overwhelming debt, so we do everything possible to eliminate certain kinds of that debt and help you move toward financial freedom.

    In order to file a Chapter 7, you must give the bankruptcy court a case filing and pay all administrative fees. Then file the official forms through your lawyer, including the petition to file, schedule, and financial statement. Some debts in a Chapter 7 are non dischargeable and will not be erased, including student loan payments and child support. However, a Chapter 7 puts the automatic stay into effect immediately, preventing wage garnishment or other attempts from debtors to continue collecting money from you. Contact My AZ Lawyers to learn more about a Chapter 7!

    Ahwatukee, Arizona Chapter 7 bankruptcy attorney

    Ahwatukee Bankruptcy Law Firm Helping You Overcome Debt

    My AZ Lawyers Bankruptcy Attorney Can Help – Best Debt Relief Options

    Many people have a negative view of bankruptcy, seeing it as a kind of failure. In reality, bankruptcy was designed to give people struggling with debts a chance to start over. It is protection afforded under the law to avoid financial ruin. Sometimes filing for bankruptcy in Ahwatukee, AZ through experienced Ahwatukee bankruptcy services like the bankruptcy attorneys at My AZ Lawyers is the only way to overcome your debt and get a fresh start.

    Ahwatukee Bankruptcy Attorneys At My AZ Lawyers Can Recommend Debt Relief Options

    Struggling with seemingly insurmountable debts? A bankruptcy lawyer helps you get the debt relief that you need. Plus, our Ahwatukee bankruptcy attorneys evaluate your circumstances provide ways bankruptcy may be able to assist you. The experienced lawyers at My AZ Lawyers recommend the precise chapter of bankruptcy which suits you best. Additionally, our Ahwatukee debt relief teams works with you through the whole process of Chapter 7 or Chapter 13 bankruptcy. We provide Ahwatukee bankruptcy services with a low fee guarantee. Plus, it all starts with a free consultation
    and debt evaluation.

    However, though you technically can file for bankruptcy in Ahwatukee yourself, it is not recommended. Thus, Filing For Bankruptcy can actually be a complicated process. Failing to get all the details exactly and appropriately can result in severe penalties. Therefore, by working with a bankruptcy lawyer, you can ensure that all the necessary paperwork is filed appropriately. Plus, by doing so, you are taking the best advantage of all the opportunities that bankruptcy affords you, such as the possibility of keeping certain assets.

    Ahwatukee Bankruptcy Attorneys At My AZ Lawyers Can Recommend Debt Relief Options

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    Transform Your Finances with Your Tax Return: A Fresh Start through Bankruptcy

    Transform Your Finances with Your Tax Return: A Fresh Start through Bankruptcy As the tax season approaches, many individuals eagerly await their tax refunds, viewing them as a bonus or a chance to splurge on something they desire. However, for those struggling with overwhelming debt and financial burdens, a tax refund can be an invaluable opportunity to achieve a fresh start through bankruptcy. In [...]

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    Bankruptcy Attorneys in Ahwatukee, Arizona

    Forget what you think you know about bankruptcy and contact our Ahwatukee bankruptcy team today. Thus, we help you find peace of mind. Plus, we assist you in taking charge of your financial future. Therefore, put an end to sleepless nights and days of endless worry. Meet with a Ahwatukee bankruptcy attorney today. Additionally, bankruptcy laws are put in place to give people in Ahwatukee struggling with debts a helping hand. Plus, an Ahwatukee bankruptcy filing takes away the shadow of hovering debt. Therefore, you should take the first step towards a “Fresh Start” today, you will be glad you did.

    Find out how you might be able to get debt relief and start taking back control of your finances by calling My AZ Lawyers today. Plus, an Ahwatukee bankruptcy lawyer may be able to work with you to get you the clean slate that you need. Plus, our Ahwatukee debt relief office offers FREE evening and weekend consultations by appointment. Therefore, call and schedule a consult with our Ahwatukee bankruptcy services today.

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    Ahwatukee Bankruptcy FAQs

    Chapter 7 bankruptcy is a legal process that discharges unsecured nonpriority debts in about 4-6 months. There are strict income and asset value limits for Chapter 7 filers, and some debts won’t be resolved in a Chapter 7 filing. You will be required to submit a full and accurate bankruptcy petition, attend a 341 Meeting of Creditors, comply with all of your trustee’s requests, and complete your online credit counseling courses to have your debts discharged through Chapter 7 bankruptcy. Contact our Ahwatukee Bankruptcy Lawyers for a free consultation today.
    CONTACT AN EXPERIENCED BANKRUPTCY ATTORNEY NEAR AHWATUKEE

    Chapter 13 bankruptcy is a reorganization of your debts into a 3-5 year repayment plan. Payments will be calculated based on your disposable monthly income, and debts that can’t be repaid during the plan will be discharged. Chapter 13 allows debtors to catch up on expenses like past-due mortgage and car payments, child support, student loans, and more.

    When you file either chapter of bankruptcy in Ahwatukee, Arizona, the Automatic Stay goes into effect immediately. The Automatic Stay prevents your creditors from repossessing your vehicle, foreclosing your home, and shutting off your utilities. It also stops all wage garnishments except for those stemming from domestic obligations. The garnishment will either be halted for the duration of your bankruptcy, or will be stopped permanently if the attached debt is discharged in your bankruptcy. Contact our Ahwatukee Bankruptcy Attorneys for a free consultation today.

    If you are on the verge of repossession or foreclosure, filing bankruptcy will actually stop your creditors temporarily from collecting your property. You can keep your house and car in Chapter 7 if you are current on your payments by the time your case is discharged and they fall within your state’s applicable exemptions. In Chapter 13, your past-due car and house payments will be included in your payment plan. You will be protected from repossession by the Automatic Stay until your payment plan is complete and you are brought up to current. Have further questions? Contact our Ahwatukee Bankruptcy Lawyers for a free consultation today.
    It is vital that you understand what types of debt you have, and how they will be treated in each chapter of bankruptcy. If the majority of your debts won’t be discharged in bankruptcy, filing might not be worth it. You should consult with a bankruptcy attorney to assess your debts and decide if you are a good candidate for bankruptcy. Contact our Ahwatukee Bankruptcy Attorneys today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option.
    Zero Down Bankruptcy is a payment plan option available to Chapter 7 filers in Ahwatukee, Arizona. In Zero Down Bankruptcy, your attorney will file your skeleton petition, from which date you can begin accruing new debt. Your filing fee and attorney’s fee will be financed into a payment plan that is payable up to 12 months after your filing date at 0% interest. Contact our Ahwatukee Bankruptcy Attorney today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option.
    Medical debt is typically unsecured non-priority debt, making it dischargeable in both Chapter 7 and Chapter 13. Medical debt is the number one reason that people in the United States cite as the cause of their bankruptcy. Contact our Ahwatukee Bankruptcy Lawyer today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option. Our Ahwatukee debt relief team is here to assist you with your needs.
    Bankruptcy is a matter of public record, but that doesn’t mean everyone you know will be notified when you file. Your loan cosigners and creditors will receive notification when your petition is filed. Plus, your landlord will only be notified if you intend to break your lease in bankruptcy or include them in the creditor mailing matrix. Additionally, your employer will only be notified if you have a wage garnishment that needs to be halted. Contact our Ahwatukee Bankruptcy Lawyer today. The consultation and guidance is free. Also, our Ahwatukee debt relief team is experienced in all aspects of bankruptcy and debt relief. We have filed thousands of bankruptcies for people in Ahwatukee, Maricopa County, Arizona. Please, inquire about our Zero Down Bankruptcy option.
    The biggest difference between Chapter 7 and Chapter 13 is that Chapter 13 requires payment by the debtor, while Chapter 7 typically does not. Chapter 7 lasts 4-6 months, and Chapter 13 lasts 3-5 years. Chapter 7 only has one mandatory hearing, but you may discharge some debts that aren’t affected by Chapter 7 in Chapter 13, such as secondary mortgages on your home. Have further questions regarding the differences between Chapter 7 and Chapter 13 in Ahwatukee? Contact our Ahwatukee Bankruptcy Law office today for more assistance.

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