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CHANDLER Zero Down Bankruptcy Attorneys

Paying for a bankruptcy upfront may seem impossible, but how could Zero Down Bankruptcy be possible?

Our Arizona bankruptcy lawyers have been practicing for more than a decade, letting us observe our clients’ unique situations and needs. Whether you live alone or have several dependents, are unemployed, paid salaried or hourly, or own your own business, our attorneys have the know-how to get your case filed. Call (480) 833-8000 to get started with your free debt evaluation.

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    Most individual consumers choose between Chapter 7 and Chapter 13 bankruptcy. While they provide different benefits, there are eligibility requirements to qualify for each. In a Chapter 7 bankruptcy, debts are liquidated and discharged. In a Chapter 13 bankruptcy, debts are reorganized and paid off in a payment plan. Our attorneys will help you figure out which is best for you.

    Many residents of Chandler find themselves in a position where they may need to declare bankruptcy. It’s vital that the debtor fully understands the value of their property, as well as how much equity is in each item. Our bankruptcy lawyers can help you assess the value of your property, as well as apply proper exemptions to protect them. Failure to do so correctly can result in asset seizures, delays, and even a case dismissal. We will also make sure no other bankruptcy exceptions are present, like preferential payments, excess spending in specific timeframes before your filing, and more.

    After filing your bankruptcy petition, you’ll need to attend a hearing known as a 341 Meeting of Creditors in order to discharge your debts. Your creditors may choose to attend this hearing and argue against their debts being discharged. The trustee will need to ask basic questions, but may delve further into your finances in more complicated situations. Most people feel far more comfortable in this hearing with the representation of an experienced Arizona bankruptcy attorney.

    Our attorneys are able to offer our high quality legal services at payment plans designed to work with anyone’s budget. Most of our clients even qualify for our Zero Down post-filing payment plan option. For a free debt evaluation/consultation, call (480)833-8000 to get started today.



    Being in debt is never an enjoyable experience. You may also have debt collectors calling your phone, or even at your door. The good news is that creditor harassment must stop once you retain our Chandler bankruptcy lawyers. Once informed of our representation, your creditors are required to direct all communications about your debt to us, not you. We know how to handle this process quickly and discreetly so that your filing can be as private as possible. Start now with your FREE DEBT EVALUATION to learn more about your rights under each Chapter of bankruptcy in Arizona.


    You may or may not have time to wait when considering bankruptcy. Some situations- like wage garnishments, impending repossessions and foreclosures, lawsuits, and more- are more dire and call for faster services. Our Chandler bankruptcy lawyers can assist you in a timely manner, even in emergency circumstances. If you are ready to make the first steps towards your fresh start, call for your free debt evaluation today.


    Sometimes, bankruptcy isn’t the perfect fit for everyone’s debt relief needs. This can be difficult to decide for yourself without the proper education and experience. Whether you need Chapter 7 or Chapter 13, or another process like debt settlement may better suit your needs, one of our seasoned Arizona bankruptcy lawyers will give you their honest opinion. If bankruptcy is your best option, our attorneys will help you determine all of the documents that will be relevant to your case.

    If you feel that your financial situation has gotten out of control, it’s time to start considering bankruptcy. The professionals at My AZ Lawyers will guide you through your option free of charge and judgment. Call (480) 833-8000 for your free consultation.

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    When you file bankruptcy for $0 down, you should hire an attorney who is thoroughly knowledgeable about the bifurcation process. This is crucial to completing the zero down bankruptcy process correctly. Your attorney will first file your skeleton petition at no charge. You will only be charged for the work completed for the second petition filing. Your payments begin within 30 days of filing. Your payment plan can last up to 12 months at 0% interest.


    Our Chandler Bankruptcy Lawyers and staff answer some of the most asked questions of people in Chandler and Maricopa County who are considering filing for Chapter 7 or Chapter 13 bankruptcy. Our Chandler Debt Relief Law Firm offers Zero Down Bankruptcy Filings, Medical Bankruptcy Filings, Credit Card Debt Bankruptcy, and Emergency Bankruptcy filings.


    Bankruptcy is a legal process meant to assist those who are struggling with debts. The two most popular types of consumer bankruptcy are Chapter 7 and Chapter 13. Filing either requires submitting a bankruptcy petition to the court, as well as a creditor mailing matrix. You will also be required to complete credit counseling courses. A trustee will be assigned to your case to make sure there are no mistakes or fraud present. You will also need to attend a hearing known as a 341 Meeting of Creditors. If you complete all the necessary steps for the chapter of bankruptcy you file, your debts will be discharged, allowing you to move forward with a fresh start.



    Most people in Chandler choose between Chapter 7 and Chapter 13. Chapter 7 is a liquidation bankruptcy that clears away unsecured debts. Chapter 13 is a reorganization payment plan that lasts 3-5 years.



    If you file Chapter 7 bankruptcy in Chandler, you can keep a vehicle with up to $6,000 equity. That limit is increased to $12,000 equity for a married couple, or two vehicles with $6,000 equity each.

    If you file Chapter 13 bankruptcy in Chandler, these exemptions don’t apply. This option can also help you catch up on vehicle payments if you have fallen behind. Your auto loan balance, including any past-due amount, will be spread out into payments that may be far more affordable for you.



    It is highly recommended that if you declare bankruptcy, you do so with the representation of an experienced bankruptcy attorney. The right bankruptcy attorney will make the process far less stressful for you, and decrease the chances of your case being dismissed.

    Your bankruptcy attorney will make sure that your case is filed under the correct chapter, and that your petition is completed correctly. Plus, your attorney will also handle all of your filings. Also, your attorney will attend your 341 Meeting of Creditors with you and deal with creditors in the meantime. For more information about how an attorney can help you declare bankruptcy, schedule your free consultation with our firm.



    Your attorney will provide you with a list of documents you must submit in order to complete your bankruptcy petition. Your attorney will likely have a questionnaire you will also need to complete for the sake of drafting your petition. You will also need to complete an online credit counseling course before your case has been filed- the course is good for 180 days before you must retake it. After the attorney has finished your bankruptcy petition, you will review and sign it together, and then your attorney will file your bankruptcy.



    Bankruptcy is not a total financial death sentence. You can begin accruing debt again once your petition has been filed. Many of our clients obtain lending for a new vehicle shortly after filing. You should receive several offers for new credit cards after your case has been discharged. You will need to wait two years after filing before you can qualify for a home loan.



    The Automatic Stay protects you from your creditors while your bankruptcy case is pending. When the Automatic Stay is in place, your creditors can’t garnish your wages, levy your bank accounts, foreclose your home, repossess your vehicle and other possessions, and more. The Automatic Stay will generally last until your case is discharged or dismissed. However, you should confirm that your case won’t be subject to any exceptions to the Automatic Stay before filing your bankruptcy.



    When debts are discharged in bankruptcy, you are no longer legally obligated to pay them. The debts have essentially been wiped away. Once a bankruptcy discharge is complete, you can begin taking steps to rebuild your credit history and improve your credit score. Some of these steps include financing new assets, opening new lines of credit, opening a secure credit card, and financing your bankruptcy through a payment plan which includes credit reporting.



    You can clear away several types of unsecured debts in an Arizona bankruptcy. Some of these include credit cards, medical bills, repossession deficiencies, unpaid utility bills, judgments and lawsuits, some taxes, and more. You can also use bankruptcy as an opportunity to surrender a financed vehicle that you can no longer afford. You may also be able to discharge a secondary mortgage in a Chapter 13 bankruptcy.



    If you are on the brink of home foreclosure, you may want to consider filing Chapter 13 bankruptcy. You can use Chapter 13 bankruptcy to catch up on past due mortgage payments. Unlike an auto loan, you won’t need to pay the full balance of your mortgage in your payment plan. To learn more about saving your home with bankruptcy, schedule your free consultation with our bankruptcy attorneys today.



    The filing fee for a Chapter 7 bankruptcy is $338. The filing fee for a Chapter 13 bankruptcy is $313. Legal representation fees vary depending on several factors. Schedule your free consultation with our firm to receive your quote for bankruptcy services.



    Because of how difficult it can be to pay for a bankruptcy up front, our attorneys offer a Zero Down payment program for qualified clients. This type of payment plan allows you to pay for your bankruptcy in affordable installments after your case has been filed for as little as $0 down. Your attorney will file a skeleton petition on your behalf, at which point you can begin incurring debt again. All the work completed from this point will be financed and spread out over 12 months at 0% interest. Your payment plan will also include credit reporting, which will help you rebuild your credit history after bankruptcy.



    The people who will need to be informed of your bankruptcy include your creditors, your loan co-signers, and if you have an active wage garnishment, your employer. No one else will be notified of your bankruptcy, although it will be a matter of public record.



    Chapter 7 bankruptcy is the most common bankruptcy filing in Chandler. Another key point, Arizona Chapter 7 bankruptcy protection allows debtors to keep exempt and essential assets while eliminating dischargeable debt. Also, a bankruptcy means test indicates who is eligible to file Chapter 7. Our experienced Chapter 7 bankruptcy attorneys can help you get out of debt.


    Considering filing bankruptcy? Call us about the zero down bankruptcy program. Especially, if your decision includes needing a bankruptcy attorney, but you don’t know how to pay the legal fees up front (which bankruptcy filing requires). Also, if you cannot afford to pay legal fees up front, be sure to call our Chandler Bankruptcy Lawyers (480) 833-8000 find out if you qualify for the $0 down program.

    Zero Down Bankruptcy Is Still A Complex Legal Procedure

    What’s the catch? How are you able to offer this? YES, THIS IS REAL! Here is how it works; First, a “skeleton” bankruptcy filing is filed for you at no charge. Next, our bankruptcy services Chandler files the second part of your bankruptcy petition. Our Chandler bankruptcy lawyers charges for the 2nd part of your bankruptcy filing. However, you don’t have to start paying for your bankruptcy until 30 days after you file. Then, you make simple monthly payments to pay off your bankruptcy.

    Keep in mind, even a “simple” Chapter 7 bankruptcy in Chandler is still a complex legal procedure that takes place in the federal courts. Bankruptcy services Chandler believes that you should not try to file for bankruptcy protection without the assistance of an experienced lawyer. Thus, our simplified “Zero Down BK” process makes it possible for people who may not be able to afford a bankruptcy attorney, now they have an option.


    In order to achieve a successful outcome to your bankruptcy case, you should make it a priority to hire an attorney experienced in the Arizona bankruptcy law. By doing this, you are taking full advantage of the law, protecting your rights, and getting the legal assistance necessary to navigate through the bankruptcy process.

    This process may sound simple enough, but rarely is. You will need to attend at least one hearing in front of the bankruptcy trustee, who may be looking for a reason to dismiss your case. Experience is the best educator when it comes to bankruptcy laws and procedures, and our attorneys are ready to use their experience to achieve the best possible results in your bankruptcy. Call for more information about getting filed for $0 down with our firm.

    Bankruptcy Courts in Arizona

    A United States bankruptcy judge presides over the bankruptcy cases. This judge has the power to make decisions over all matters concerning federal bankruptcy cases. For each judicial district in Arizona, there is a bankruptcy court. In Arizona, the bankruptcy courts are located in:


    Creditors always seem to appear at the worst time. They will use increasingly manipulative tactics to attempt to get you to repay your debts. When all of these fail, your creditor may choose to file a lawsuit against you. If your creditor receives a judgment against you, this will negatively impact your credit. It can also lead to a wage garnishment, along with other negative repercussions. Don’t let it get to this point- contact our Chandler Zero Down Bankruptcy Lawyers for advice and guidance.

    Creditors don’t have unlimited ability to pursue you for debts. All of their efforts must abide by the Fair Debt Collection Practices Act, or the FDCPA. This restricts the ways that a creditor can contact you, and what they can say during that contact. When you retain our Chandler Bankruptcy Lawyers to represent you in bankruptcy, you can inform your creditors of such. Once they have received this information, all contact regarding your debts must go to our firm directly. Rest easier knowing your phone won’t be constantly ringing with creditor calls as you prepare for bankruptcy.

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


    Some attorneys tout years of experience without ever having stepped foot in a bankruptcy courthouse. That’s not the case when you contact My AZ Lawyers for your free bankruptcy consultation. We are familiar with Arizona’s bankruptcy laws, exemptions, income limits, trustees, court procedures, and more. We will help you navigate the complex bankruptcy structures in place so that you can keep your belongings but lose your debt.

    There are several types of situations that may have driven you to consider bankruptcy. Whether it’s a job loss, divorce, medical emergency, or whatever your situation, our attorneys can help you determine if bankruptcy is the right solution for you.

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      We will answer any questions and address any concerns that you may have so that you can file with confidence. If bankruptcy is your best path, we’ll prepare your petition thoroughly and accurately to reduce hassles throughout the entirety of your case. We will also accompany you to your 341 Meeting of Creditors to ensure that it goes smoothly. Our dedicated staff and attorneys will be available to address your questions and concerns before, during, and after your bankruptcy.



      Being in debt is never an enjoyable experience. You may also have debt collectors calling your phone, or even at your door. The good news is that creditor harassment must stop once you retain our Chandler bankruptcy lawyers. Once informed of our representation, your creditors are required to direct all communications about your debt to us, not you. We know how to handle this process quickly and discreetly so that your filing can be as private as possible. Start now with your FREE DEBT EVALUATION to learn more about your rights under each Chapter of bankruptcy in Arizona.

      CHANDLER Bankruptcy Myths Uncovered

      Myths and Truths Regarding Bankruptcy in CHANDLER, Arizona

      The Chandler Bankruptcy Attorneys at My Arizona Lawyers realize that there are a myriad of reasons that people have to file for bankruptcy protection in Chandler. Therefore, the process of declaring bankruptcy in Maricopa County is complex. This is made even more difficult with the many myths and fallacies out there. In the following, our knowledgeable Maricopa County Bankruptcy Attorneys dispel common bankruptcy myths. Our Chandler debt relief lawyers tirelessly work to help individuals, couples, families, and businesses in Maricopa County file for bankruptcy protection.

      Common Fallacies About Filing for Bankruptcy


      There are time limits that will keep you from filing bankruptcy again as soon as your first is discharged. If you file Chapter 7 bankruptcy, you will need to wait 8 years from the filing date to file another Chapter 7, and 4 years to file Chapter 13. If you file Chapter 13 bankruptcy, you will need to wait 6 years from the filing date to file Chapter 7, and 2 years to file another Chapter 13.

      If you file Chapter 7 bankruptcy, you can keep your home and car if they fall within your state’s bankruptcy exemptions, which are legal limits on how valuable your property can be while filing bankruptcy. If you file Chapter 13 bankruptcy, your car and house (depending on the jurisdiction in which you file) payments will be included in your payment plan, as well as any past-due balance. You will be protected from creditor repossession by the Automatic Stay while your bankruptcy is active.

      It is better not just for you, but for everyone involved- creditors, the trustee, yoru attorney, etc.- if your bankruptcy is well-planned. You may need to time your bankruptcy around factors like income tax returns, a divorce, payday, and other factors. Making sure your bankruptcy is timed to avoid asset seizures and dismissals is encouraged, not illegal. However, maxing out your credit card on luxury purchases and cash advances in the period leading up to a bankruptcy is presumed to be fraudulent. Unless you can prove otherwise, those debts 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.
      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.
      Student loans can only be discharged under very specific circumstances. Most courts use the Brunner Test, which has three requirements: poverty, persistence, and good faith. If you can’t pay your loans and maintain at least a minimal standard of living, your financial situation is unlikely to change, and you made a good faith effort to repay your loan, you may succeed at discharging your student debt in bankruptcy.
      All of your credit cards will be frozen by the Automatic Stay once your petition is filed. You will receive offers for new credit cards once your bankruptcy is discharged. You may either review and choose from these options, or open a secured credit card through your bank. This is a prepaid credit card that helps you rebuild credit post-bankruptcy without the risks and interest rates of traditional credit cards.
      Your bankruptcy will show up on credit checks in your future rental applications. However, debts are only discharged as of the date of filing, meaning your future rental payments can’t be discharged in your past bankruptcy. Our staff would be happy to provide future landlords concerned about your bankruptcy with a letter explaining this concept.
      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.
      Some people will automatically be notified when you file bankruptcy, like your creditors and any cosigners on your loans. Your employer won’t automatically be notified, but you will need to inform your payroll department of your filing if your wages are being garnished. Other than that, your bankruptcy will be public information but anyone interested would have to specifically search through the bankruptcy docket for your case.

      Filing for Chapter 7 bankruptcy in CHANDLER, Arizona

      The primary purpose of a Chapter 7 bankruptcy is to eliminate certain kinds of debt. The bankruptcy court must receive a case filing and administrative fees in order to file a bankruptcy petition. Next, a filer must complete official bankruptcy forms. These forms include the petition to file, schedules, and statement of debt/financial affairs. The filer should also include and provide the following paperwork:

      • Debtor’s income: amount, source, and frequency of income
      • List of creditors, how much is owed to each creditor, and the nature of the debt to each creditor
      • Detailed report of monthly living expenses
      • List of the debtor’s property

      One of the schedules the filer must file is that of exempt property. According to the Bankruptcy Code, some property is protected, or exempt, from creditors. However, Arizona has adopted its own exemption law. Filing a bankruptcy petition under Chapter 7 puts the automatic stay into effect immediately. The stay is effective to protect a debtor from collection activity from a creditor. Furthermore, the bankruptcy court appoints a trustee to administer the bankruptcy case, and to carry out the liquidation of the non-exempt assets.
      Because of the complexity of the Bankruptcy Code, it is wise to consult with an attorney who can evaluate your debt, listen to your needs, and look at your property/assets.

      Tucson Bankruptcy Lawyers Helping You With Chapter 7 - Bankruptcy


      Chapter 7 is the most common chapter of bankruptcy filed in Arizona. The bankruptcy laws and the Arizona bankruptcy code were designed to give Arizona residents a fresh start by eliminating debt. Chapter 7 bankruptcy is the most frequently filed because it allows debtors to keep exempt and essential assets and property while wiping out overwhelming, dischargeable debt.
      If you are considering bankruptcy, you should understand the process, and explore all your options for the best method of debt relief. An attorney at My AZ Lawyers will not only guide you through the process from beginning to end, but also explain the different aspects of the law. Our experienced Arizona Bankruptcy attorneys will answer your questions and concerns and give you the information you need to successfully get you out of debt.


      Chapter 7 bankruptcy is also known as a liquidation bankruptcy. This is a court-supervised process involving a trustee. The court appoints a trustee to take over the case. Furthermore, the trustee oversees the case by taking over assets, reducing them to cash (liquidating assets), and distributes owed debt to creditors. In many Chapter 7 cases, there are little or now nonexempt property and assets. This means there may not be any actual liquidation of assets. In the case of a no-asset bankruptcy, an individual will receive a discharge. A discharge is the release from all personal liability for dischargeable debts. In other words, the debt listed in the bankruptcy is forgiven, eliminated, or discharged.

      Tucson Bankruptcy Lawyers Helping You With Chapter 7 - Liquidation Bankruptcy


      A Chapter 7 bankruptcy discharge can be granted in a few months after filing the petition. A bankruptcy discharge is a permanent order stating the debtor is no longer legally required to pay back debt listed in the case. Therefore, a discharge prohibits a creditor from taking action to collect on any debts that were eliminated in the bankruptcy. In addition, a creditor may not communicate in any way or take legal action to collect debt. The discharge is given in Chapter 7 cases approximately four months after the date of the petition filing. There is also an amount of time where a creditor can object to the discharge, and when this period ends without a motion to dismiss the case, the discharge is granted.

      Additionally, a discharge is not automatically granted just because the process is completed. A creditor, a trustee may file an objection. Meaning, a creditor may file a complaint before a deadline date. The bankruptcy code describes the reasons a discharge may be denied. For example, not providing the proper documentation, failure to complete the required credit counseling / financial management course, or covering up property with intent to defraud. A Chapter 13 bankruptcy case is a bit different. Normally the debtor is entitled a discharge when the payments under the plan are completed.

      Tucson Bankruptcy Lawyers Helping You With Chapter 7 - Bankruptcy Discharge

      All debts cannot be discharged. The most common types of debt that may not be discharged include:

      • Certain types of tax debt
      • Alimony debt
      • Child support debt
      • Debts due to malicious or willful injuries to a property or person
      • Debts from fines or penalties to governmental units
      • Student loan debt
      • Debts resulting from personal injury caused by operating a vehicle while intoxicated

      Bankruptcy Petition And Automatic Stay

      A bankruptcy case either involves liquidation of property, or establishes a plan to repay creditors. Typically, to begin a case, the debtor files a petition with the bankruptcy court. Statements are also filed that list liabilities, income, assets, the name(s) of creditor(s), and the amount of debt owed. One of the provisions of the bankruptcy law is the automatic stay. Thus, upon filing of a petition, all debt collection attempts must stop. Filing bankruptcy “stays,” or prevents debt collection actions by creditors for payment or property. Therefore, when the automatic stay is in effect, a creditor may not garnish wages, bring about or continue a lawsuit, or contact the debtor. This includes phone calls demanding payment or making harassing threats to get a payment.

      Filing a bankruptcy petition puts the Automatic Stay into effect. This means you have the protection of the bankruptcy court as soon as your case is filed. Why is this important?

      The Automatic Stay prevents any creditor from collecting on a debt:

      • No collection attempts
      • No phone calls from creditors
      • Wage garnishment stops
      • Lawsuits
      • Stop a foreclosure

      Because the Automatic Stay begins the moment the bankruptcy is filed, we understand that for some clients, an immediate filing is crucial. That’s why My Arizona Lawyers offers a $0 down program as well as payment plan options. We make eliminating debt through bankruptcy affordable and possible for debtors needing the bankruptcy protection of the Automatic Stay.


      Very knowledgeable on bankruptcy, as I would expect. Everything went through flawlessly, nothing bad whatsoever to report. Would recommend.

      Natasha Lenard

      Craig Raymond helped me with my criminal case. He was trustworthy, confident, and experienced. He was a force to be reckoned with in court. I highly recommend Craig and the staff.

      Adam Walsh

      I felt completely confident with the attorney I was matched with. He worked really hard for me and the outcome was better than expected.

      Alexandra Ortiz

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