Glendale Bankruptcy Lawyers

Bankruptcy Attorneys in Glendale, Avondale, Peoria, and  Surprise, Arizona

In need of the services of our Glendale bankruptcy Lawyers?  Like many other communities throughout the United States, the community of Glendale has been continuing to struggle through years of a weak economy.  For example, some people may have experienced layoffs, and others may have remained underemployed for long periods as they were unable to find skilled work in their fields.  While others may have turned to personal loans or credit cards to help them make it through the hard times.  Despite their hard work and their best intentions, those debts may have gotten away from them.

Glendale, Arizona bankruptcy lawyers

GLENDALE BANKRUPTCY LAWYERS CAN HELP

If you find yourself in a similar situation, our Glendale bankruptcy lawyers may be able to help you get the debt relief you need through bankruptcy.  The expert attorneys at My AZ Lawyers offer free consults and payment plans for people in need of debt relief in Glendale, Peoria, Avondale, and Surprise, Arizona.  Though many people think of bankruptcy as a sign of failure or defeat, it is actually a program created under the law for people like you who are struggling with overwhelming debts and who need a second chance.

One of our Glendale bankruptcy lawyers will work to help you understand your options under this legal protection program.  Bankruptcy is a federal program created to help out people who need a fresh start.

In addition, other reasons you may find yourself needing to consider bankruptcy include:  having gone through a recent divorce or a major illness or injury.  Also, our Glendale bankruptcy lawyers do not judge, we understand that hard times happen upon even the best of people.

Bankruptcy may be able to help you discharge unsecured debts such as credit cards, medical bills and personal loans while possibly keeping assets such as your home and car.

In other cases, bankruptcy can help you reorganize your debt so that you are making one payment that you can afford under a lower interest rate.  Know all of your debt relief options when you are seeking assistance from Glendale bankruptcy lawyers.  Our debt relief team can assist you.  Let our years of experience filing bankruptcies for the people of Glendale, Arizona go to work for you.

EXPERIENCED GLENdALE Bankruptcy ATTORNEY

GLendale zero down bankruptcy Lawyers

Our Glendale Bankruptcy law firm used to be like many other bankruptcy firms.  We used to require clients to pay their balance in full before their case was filed. However, we realized that this was often something that could not happen or something that took a very long time to accomplish.  
However, our Glendale bankruptcy attorneys quickly realized that paying bankruptcy fees isn’t in our clients’ budgets.  This was especially true of those whose wages are being garnished, or for people in Glendale who are struggling to make minimum monthly payments on their debts. As a solution, we adopted a Zero Down Bankruptcy option for Chapter 7 Bankruptcies.  Contact our Glendale Zero Down Bankruptcy Lawyers for additional information on filing you bankruptcy without coming out of pocket.

GLENDALE BANKRUPTCY FAQs

Frequently Asked Questions Regarding Bankruptcy in Glendale, Arizona

Our experienced Glendale Bankruptcy Lawyers take a look at some of the most asked questions regarding Chapter 7 and Chapter 13 bankruptcy filings in Glendale, Arizona.  Our Glendale Bankruptcy Team is made up of attorneys and debt relief agents who are ready and available to assist you with your Glendale Debt Relief needs.

ANSWER:

Bankruptcies are a matter of public record, so anyone can specifically go search the bankruptcy docket for your name. Your creditors and cosigners on loans will be notified of your bankruptcy, as will your landlord if you break your lease in bankruptcy. Your spouse will need to know and be involved in your bankruptcy filing if you are legally married.

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ANSWER:

The biggest difference between Chapter 7 and Chapter 13 is that debts aren’t repaid in a Chapter 7, but are in a Chapter 13. Chapter 7 lasts 4-6 months, and Chapter 13 lasts 3-5 years. However, both require that you complete credit counseling, submit a petition, and attend a 341 Meeting of Creditors.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

Less than 1% of Chapter 13 bankruptcy cases that are filed without an attorney are dismissed, so filing Chapter 13 on your own is not recommended. You have a better chance of successfully discharging your bankruptcy on your own in Chapter 7, but still risk dismissal, delays, extra fees, surrendering assets, failing to include creditors, etc. Most bankruptcy attorneys will tell you during a consultation if your case is simple enough that you could probably do it yourself or with just a document preparer.

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ANSWER:

The filing fee for a Chapter 7 bankruptcy in Glendale, Arizona is $338. The filing fee for a Chapter 13 is $313.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

Filing bankruptcy in Glendale, Arizona is a legal way for people struggling with debt to discharge or reorganize these debts into more affordable payments. It also protects the debtors against creditor collection while their cases are active. Debtors are no longer liable for debts that are discharged in bankruptcy.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

Most consumers choose between Chapter 7 and Chapter 13 when filing bankruptcy in Arizona. A Chapter 7 is a liquidation bankruptcy, while a Chapter 13 reorganizes debts into a 3-5 year payment plan. Chapter 11 is another type of bankruptcy which is less common, but also has provisions for small business owners.

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ANSWER:

There are many things that might tell you it’s time to start thinking about filing bankruptcy. Maybe your phone is constantly ringing with creditor calls, you are being denied credit cards and other lines of credit due to your poor credit history, or your wages are being garnished. If you are struggling with debt, the best way to find out if you should file bankruptcy is by consulting with an experienced Glendale, Arizona bankruptcy attorney.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

The Automatic Stay is the legal protection that goes into effect once your Glendale bankruptcy is filed. When the Automatic Stay is active, your creditors are barred from collection methods such as repossession, foreclosure, and garnishment. The stay remains effective until your case is discharged or dismissed, with limited exceptions.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

Your Glendale Bankruptcy Lawyer can help you determine if you qualify for bankruptcy, draft your petition, include all of your creditors on your creditor mailing matrix, assist with document gathering, guide you through the credit counseling process, fielding creditor calls, attending your 341 Meeting of Creditors, and more. Filing your bankruptcy with an attorney is the best way to make sure you don’t pay extra fees, certain debts aren’t excluded from your bankruptcy, or that your case doesn’t end in dismissal.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

ANSWER:

Zero Down Bankruptcy is available to qualified Chapter 7 filers in Glendale, Arizona. If you select this option, you will pay for your bankruptcy after your case is filed in 12 months with a 0% interest rate. For more information, call to schedule your free consultation.

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ANSWER:

Medical bills are the top type of debt that causes people to declare bankruptcy. Medical bills can be discharged in both Chapter 7 and Chapter 13.

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ANSWER:

Wage garnishments are one of the collection methods that are stopped by the Automatic Stay, which goes into effect once your petition is filed. You will need to file your petition and provide your payroll department with your case number before payroll is run for the garnishment to be stopped before your next paycheck.

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ANSWER:

If you are behind on your mortgage and want to keep your home, Chapter 7 will only help if you can catch up in a few month period and you have equal to or less equity in the home than your state’s exemption value. Chapter 13, on the other hand, will spread out your past due balance, along with other debts, out over your 3-5 year payment plan. Both Chapters will protect you from foreclosure due to the Automatic Stay until your case is discharged or dismissed.

CONTACT AN EXPERIENCED GLENDALE BANKRUPTCY ATTORNEY

Glendale Bankruptcy Law Office

Our Glendale bankruptcy law office serves the West Valley of the Phoenix metro area along with the communities of:  Glendale, Peoria, Arrowhead, Surprise, Cave Creek, North Scottsdale, Anthem, and New River, Arizona.  We are also conveniently located at 51st Avenue and the 101 freeway in Glendale, Arizona, our Glendale Bankruptcy Law Office serves people seeking debt relief services in Maricopa County Arizona.

In addition, our Glendale bankruptcy law office located at 20325 N 51st Avenue in Glendale, Arizona 85308 is convenient to people seeking bankruptcy in and around Glendale, Peoria, North Phoenix, Arrowhead, and North Scottsdale.  With same day consultations in most cases, our Glendale bankruptcy lawyers will quickly get you the “fresh start” you are seeking.

My AZ Lawyers Can Help

Call the Glendale bankruptcy lawyers from My AZ Lawyers today to discuss the details of your case and to find out if a bankruptcy lawyer may be able to help you get the debt relief you need.  You may also be able to start reclaiming your finances sooner than you think and start creating the life you want again.  Plus, our consultations are free and can be either in office or via phone.  By all means, call 480-833-8000 today!

GLENDALE CHAPTER 7 BANKRUPTCY Chapter 7 bankruptcy lawyer

Chapter 7 bankruptcy wipes out debt such as credit cards, medical bills, and other unsecured debt.  Also, if you need to eliminate debt due to vehicle repossession or home foreclosure, Chapter 7 may be an option.  Filing a petition for Chapter 7 ends collection attempts by creditors and wage garnishments.  Glendale residents must qualify for Chapter 7 by completing a Means Test, which calculates income and expenses. Income must be less than Arizona’s median income for household size.