Peoria, Arizona Bankruptcy Lawyers

Chapter 7 Bankruptcy ATTORNEYS IN PEORIA, ARIZONA

Our Peoria Chapter 7 bankruptcy attorneys can give you the financial freedom you want without the headache. Thus, when you’re at the end of your rope, you might wonder if Chapter 7 bankruptcy the life line you need.  Filing Chapter 7 bankruptcy is a way to wipe out your unsecured debts and begin with a “Fresh Start”.

PEORIA Chapter 13 Bankruptcy ATTORNEYS

Our Peoria Chapter 13 bankruptcy attorneys know that good people like you need financial help from time to time.  However, what you might not know is that, even when you’re down on your luck, you have options. Let our Arizona bankruptcy lawyers help you understand how exactly Chapter 13 bankruptcy works.

PEORIA ZERO DOWN ($0) TO FILE Bankruptcy

With our $0 down bankruptcy program, filing bankruptcy becomes a possibility for Peoria and North Phoenix residents who cannot fund the legal fees up front.  Therefore, you can file bankruptcy with our Peoria Bankruptcy Attorneys with no money down.  We also offer free consultations (Either in our Peoria Office or by phone).

Peoria, Arizona bankruptcy attorney. Peoria Bankruptcy Services

CONTACT OUR PEORIA BANKRUPTCY LAWYERS FOR A “FRESH START

How Can Bankruptcy Help Me?

Top employers in Peoria include the public schools, government, and low-paying retail companies. Thus, Peoria’s economy continues to limp along, budget cuts continue to be made. Many Peoria, AZ residents are struggling to make ends meet. Plus, some are looking for debt relief to climb their way out. Filing Chapter 7 or Chapter 13 Bankruptcy can be the solution that many need.

Additionally, we realize many people have a negative view of bankruptcy seeing it as failure.  In reality, declaring bankruptcy is designed to give people a chance to start over. Also, bankruptcy is protection afforded under the law.  Therefore, sometimes filing for bankruptcy in Peoria, AZ through experienced Peoria bankruptcy services like My AZ Lawyers is the best way to overcome your debt.

Bankruptcy FAQS

frequently asked questions for bankruptcy filers in peoria, Arizona

ANSWER:

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 Peoria Bankruptcy Lawyers for a free consultation today.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

When you file either chapter of bankruptcy in Peoria, 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 Peoria Bankruptcy Attorneys for a free consultation today.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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 Peoria Bankruptcy Lawyers for a free consultation today.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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 Peoria Bankruptcy Attorneys today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

Zero Down Bankruptcy is a payment plan option available to Chapter 7 filers in Peoria, 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 Peoria Bankruptcy Attorney today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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 Peoria Bankruptcy Lawyer today. The consultation and guidance is free. Inquire about our Zero Down Bankruptcy option. Our Peoria debt relief team is here to assist you with your needs.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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 Peoria Bankruptcy Lawyer today.  The consultation and guidance is free. Also, our Peoria debt relief team is experienced in all aspects of bankruptcy and debt relief. We have filed thousands of bankruptcies for people in Peoria, maricopa County, Arizona. Please, inquire about our Zero Down Bankruptcy option.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

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 in Peoria and Chapter 13 in Peoria? Contact our Peoria Bankruptcy Law office today for more assistance.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

To be eligible for Chapter 7 bankruptcy, there are two ways to qualify based on income. If you compare your total income to the state median income based on family size and make less, you are automatically eligible for Chapter 7. Otherwise, you must use the Means Test, which deducts mandatory expenses from your monthly income to calculate disposable monthly income. If your disposable monthly income is below a certain amount, the court will find that you don’t have sufficient income to maintain a minimal standard of living and also pay your debts, and approve you for Chapter 7. You should also check that all of your valuable assets fall within your state’s exemptions before filing Chapter 7.

If you have too much income to qualify for Chapter 7, Chapter 13 may be available to you instead. Chapter 13 does have debt limitations, though- $419,275 for unsecured debts and $1,257,850 for secured debts.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

The biggest factor that determines how long it will take you to file bankruptcy in Peoria, Arizona is how long it takes you to gather all of your necessary documents. If you are able to provide your attorney with your basic identification forms and six months’ worth of income information, you may be able to file your case as quickly as the same day. Drafting a full bankruptcy petition can take longer, so you should plan on giving your attorney at least a week between submitting your documents and filing.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

ANSWER:

You will be required to attend at least one hearing after declaring bankruptcy in Arizona. Those who file both Chapter 7 and Chapter 13 will be required to attend a hearing known as a 341 Meeting of Creditors. At this hearing, your trustee will ask questions about your petition. Your creditors may also exercise their option to attend and ask questions as well. Chapter 13 filers are also required to attend a hearing to confirm their payment plan.

CONTACT AN ARIZONA EXPERIENCED BANKRUPTCY ATTORNEY

zero money down to file

Peoria Zero Down Bankruptcy 
Learn more about $0 down bankruptcy filing in Peoria, Arizona.  
That’s right: our Peoria debt relief team now offers a program that costs zero down to file!  Our attorneys file your bankruptcy case with no money down.  Then, it’s financed after you have rid yourself of your debts in a finance program for up to a year.  So, if price is the thing stopping you from declaring bankruptcy, our $0 down BK program may be the answer you seek.
 
At My Arizona Lawyers, PLLC our debt relief attorneys offer a zero down BK filing option.  Thus, with $0 down bankruptcy you can stop creditor harassment immediately.  Additionally, the sooner you declare bankruptcy, the sooner you can stop judgements, garnishments, bank levies, repossessions and all creditor harassment. With same day filings, contacting our Peoria law firm is the first step in the right direction.
When you are so broke that you have no other choice than filing bankruptcy.  What’s more frustrating than paying hundreds or even thousands of dollars more to get out of debt?  Contact our Peoria Zero Down Bankruptcy Team and learn the better way to get your “Fresh Start”.

Peoria Bankruptcy Attorneys at My AZ Lawyers Can Help

If you are struggling with seemingly insurmountable debts, a Peoria bankruptcy lawyer may be able to help you get the debt relief that you need. Plus, the Peoria bankruptcy attorneys at My AZ Lawyers can evaluate your circumstances and let you know how bankruptcy may be able to help you. Additionally, the experienced lawyers at My AZ Lawyers can recommend what chapter of bankruptcy might be best for you and can help guide you through the process.  Also, the Peoria bankruptcy services are provided with a low fee guarantee.  Start now with a free consultation.

Though you technically can file for bankruptcy yourself, it is not recommended. Filing for bankruptcy can actually be a complicated process, and failing to get all the details just right can result in severe penalties. By working with a bankruptcy lawyer, you can ensure that all the paperwork is filed appropriately, and that you are taking advantage of all the opportunities that bankruptcy affords you, such as the possibility of keeping certain assets.