Phoenix Bankruptcy Services 2020-04-06T22:12:16+00:00

CONTACT A PHOENIX BANKRUPTCY ATTORNEY

Phoenix Bankruptcy Services Arizona Filing Process

We are low cost bankruptcy lawyers in Phoenix, Arizona. 

Offering Chapter 7 and Chapter 13 Bankruptcy filings with our experienced bankruptcy attorneys.   

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Get rid of debt with Phoenix Bankruptcy Services, Phoenix Bankruptcy Lawyers

GET OUT OF DEBT PHOENIX

ELIMINATE OR REDUCE DEBT

FREE DEBT EVALUATION WITH AN EXPERIENCED PHOENIX BANKRUPTCY ATTORNEY

WHAT YOU NEED TO KNOW

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REDUCE DEBT STRESS

STOP HARASSING CREDITOR CALLS

GET RID OF THE STRESS CAUSED BY OVERWHELMING DEBT WITH PHOENIX BANKRUPTCY ATTORNEYS

WHAT YOU NEED TO KNOW

improve your credit score after bankruptcy, Phoenix Bankruptcy Services, Phoenix Bankruptcy Lawyers

REBUILD YOUR CREDIT PHOENIX

IMPROVE YOUR CREDIT SCORE

PROGRAM AVAILABLE TO IMMEDIATELY REPAIR CREDIT  AND GET YOU ON YOUR WAY TO A ” FRESH START “

WHAT YOU NEED TO KNOW

File Bankruptcy to Stop a Foreclosure

If you are trying to avoid a foreclosure and your house is set for a sale date in the near future, you can file for bankruptcy which will halt the foreclosure proceedings immediately.  A bankruptcy filing carries the power of an “automatic stay” which acts like an injunction to the process of foreclosure.  This stops all collection efforts by the bank.  Therefore, an impactful measure to consider when trying to stop a foreclosure is either Chapter 7 or Chapter 13 bankruptcy.  Our Phoenix Foreclosure lawyers can assist you with using bankruptcy to save your home. 

CHAPTER 13 CAN HELP YOU SAVE YOUR HOME FROM FORECLOSURE

Use Chapter 13 bankruptcy to stop a foreclosure, Phoenix Bankruptcy Services

Chapter 13 Bankruptcy Stops a Foreclosure

Delaying Foreclosure in Phoenix, Arizona

Many people seek to delay a foreclosure for a myriad of reasons.  From waiting on a loan modification to seeking monies to catch up on back payments, there are several reasons why a person may want to delay a foreclosure.  Already in a foreclosure?  An additional way to delay a foreclosure in Phoenix is to file Chapter 7 bankruptcy.  The Ch. 7 probably won’t save your home but it should allow you to stay living in the home without having to make payments.  Not making your house payment allows you to save up money to move into a rental or another home.  Additionally, chapter 7 will buy you time to perhaps come to an agreement with the creditor on the home.

FREQUENTLY ASKED BANKRUPTCY QUESTIONS 

Bankruptcy, Chapter 7 or Chapter 13, is and option for many Phoenix residents who want to reduce or eliminate debt. Each debt-relief case is unique, so depending on the circumstances of the debt, there may be alternatives to achieving financial freedom.

Contact our Phoenix attorneys and schedule a free consultation and debt evaluation.

A lawyer at our firm experienced in debt relief will listen to your financial goals and evaluate the debt. Consulting with an attorney will help you understand your rights as a debtor, and get options. Our legal team is dedicated to exceptional legal service and representation — if bankruptcy is not the best option for your case, we will advise you accordingly in order to achieve the best possible outcome for your case.

Filing for bankruptcy protection in Phoenix does not mean you will lose your car or house. The Arizona bankruptcy law provides protection of assets, and these exemptions are outlined in each bankruptcy case. The exemptions in individual bankruptcy filings are allowed in order to fulfill the goal of eliminating debt. Likely financial and debt problems may not go away if everything is taken away from the filer. Generally, the asset exemptions include reliable transportation, a modest home, necessary appliances and furniture in the home, reasonable personal items, and tools necessary for work.

Since each bankruptcy case has its unique circumstances, it is important you have the assistance of our Phoenix bankruptcy law team. Our experienced lawyers are experts in the bankruptcy law and code, and we can help debtors with retaining assets and get back on track financially as soon as possible. Discuss your potential debt relief case with an attorney by scheduling a FREE CONSULTATION and FREE DEBT EVALUATION. This initial free consultation can help you protect your rights as a debtor, get answers to your questions, understand your options, and keep your property.

Chapter 7 bankruptcy protection is the choice of Phoenix residents with overwhelming debt. The goal of a Chapter 7 filing is to completely discharge, or get rid of, certain kinds of debt in a short period of time. A discharge indicates the debtor will not repay the debt. Types of debt included in a Chapter 7 include credit card bills, medical bills, utility bills, or personal loans.

Qualification for Chapter 7 bankruptcy is determined by a means test.

Next, after a bankruptcy petition is filed by the attorney, the Bankruptcy Court appoints a trustee to oversee the case. Documentation and paperwork is collected and filed, then a 341 hearing is scheduled. If the trustee and bankruptcy court approve the process, a discharge is granted.

Filing for Chapter 7 or Chapter 13 bankruptcy in Phoenix will almost certainly have a negative impact on your credit initially. In many cases, clients who are in need of debt relief already have a low credit score or credit in need of repair due to significant financial stress.

However, our Phoenix bankruptcy lawyers will explain the implications of credit score as it pertains to your bankruptcy case. Also, our legal team will give you the necessary information in order to immediately begin repairing your credit. Plus, our Phoenix based firm doesn’t end legal representation with the bankruptcy discharge. Whereas, we offer our clients a program as part of the bankruptcy process which allows them, in the long term, to have a solid foundation for rebuilding credit and achieving future financial goals.

Contact Our Phoenix Bankruptcy Lawyers

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HOW OUR PHOENIX ATTORNEYS ASSIST CLIENTS THROUGH THE BANKRUPTCY PROCESS 

MY AZ LAWYERS PHOENIX BANKRUPTCY LEGAL TEAM PROVIDES EXPERIENCED SERVICE AND  REPRESENTATION THROUGHOUT THE ENTIRE LEGAL PROCESS

FREE BK CONSULTATION and DEBT EVALUATION

Phoenix Bankruptcy ServicesPhoenix residents dealing with debt should contact our Phoenix Bankruptcy Lawyers for bankruptcy answers, bankruptcy options, and the best legal representation for their debt-relief case.  Additionally, we offer an initial free consultation and debt evaluation with one of our experienced Phoenix BK attorneys. Therefore, crushing debt causes stress and can affect every aspect of your life: personal, professional, family, and financial. With one call, you can begin the process and gather information to eliminate debt stress and concentrate on a bright financial futures. Therefore, you should call our Phoenix bankruptcy office to schedule an appointment with a lawyer to discuss your debt and financial issues. 

THE MEANS TEST

The Means Test is a necessary tool to determine if you qualify for Chapter 7 Bankruptcy in Phoenix. With the assistance of My AZ Lawyers attorney, completing this application checks whether your household income is below Arizona’s state median income. Documentation regarding your income over the past is needed to complete this form. After determining that you qualify to file Chapter 7 Bankruptcy, your attorney will proceed confident of your best financial interests. This test is for clients who have mainly consumer debt like medical or credit card debt. Clients who do not qualify for Chapter 7 can explore Chapter 13 bankruptcy protection. 

CREDIT COUNSELING COURSE

This course is a required before filing bankruptcy. Additionally, this educational online course helps a debtor understand the pros and cons of bankruptcy.  Also, it presents alternatives to manage debt in order to help you determine which bankruptcy is the best to resolve debt.  Thus, before receiving a bankruptcy discharge that wipes out debt, you must prove that you have completed the course. Therefore, do not be intimidated by the credit counseling course. Whereas, it is intended to educate and provide information regarding your decision to file bankruptcy in Phoenix. Plus, your Phoenix BK attorney will answer any questions or concerns you may have about the course.

GATHER INFORMATION & COMPLETE FORMS

Our Phoenix legal team will assist you in all documentation and paperwork required to successfully file a bankruptcy. Items include information on debt, property, and income, tax returns, pay stubs, and other documents. Having an experienced Phoenix Bankruptcy attorney assisting you with your bankruptcy will make a sometimes complicated step in the process less intimidating. Plus, any and all legal petitions, statements, applications, and forms need to be completed completely, thoroughly, and properly. Again, your case is the hands of a professional, experienced Phoenix bankruptcy attorney.

ATTEND 341 HEARING

Phoenix Bankruptcy Services

Once your attorney completes schedules, summary, and declaration he or she files your bankruptcy petition with the bankruptcy court. Next, a 341 hearing, or “meeting of the creditors” is scheduled. Whereas, at this hearing the bankruptcy trustee reviews your case and any creditors may ask you questions under oath regarding your petition and documents that have been provided. Basically, the meeting of creditors is to verify that the documentation and information provided in your bankruptcy is complete, accurate, and legitimate. 

DISCHARGE IS GRANTED – BEGIN REBUILDING CREDIT

Additionally, a Bankruptcy discharge is granted at the end of the bankruptcy process. Thus, this means the debtor is no longer legally required to pay any debts that are discharged as listed in the bankruptcy. After discharge, our Phoenix bankruptcy legal team will help you next to immediately start to repair your credit. Although the legal process has ended, we extend our service to ensure that you have the information necessary to rebuild a solid financial future. Therefore, our Phoenix law firm takes pride in a reputation we have earned — commitment to client and dedication to successful legal representation.

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CALL TODAY TO SCHEDULE A FREE DEBT EVALUATION AND CONSULTATION

Experienced Phoenix Bankruptcy Attorney at My Arizona Lawyers

Phoenix Bankruptcy Attorney, Phoenix bankruptcy services

DEBT RELIEF ATTORNEY IN PHOENIX, ARIZONA

Our Phoenix Bankruptcy Lawyers can assist you with filing for chapter 7 bankruptcy, chapter 13 bankruptcy, or another needed form of debt relief.  Plus, our Phoenix BK attorneys can assist you with stopping a wage garnishment, saving your home from a foreclosure, or getting you out of a vehicle repossession.  Therefore, if overwhelming debt is causing stress personally, professionally, and financially, contact our firm.

Phoenix Bankruptcy Lawyers will help you rebuild your credit.
Filing Chapter 7 Bankruptcy or Chapter 13 will allow you to end bad financial habits.
Plus,Our bankruptcy law office can give you the ability to pay your current bills on time.
Live your life without stress caused by debt after declaring bankruptcy.
Bankruptcy filing gives you legal protection from creditors and debt collectors.

THINK YOU CAN’T AFFORD A BANKRUPTCY ATTORNEY? 

MY AZ LAWYERS OFFERS ZERO $ DOWN BANKRUPTCY FILINGS

zero dollars down bankruptcy payment program. Phoenix Bankruptcy Services.

Phoenix Zero Down Bankruptcy Attorneys

Our $0 Down Bankruptcy program requires zero money out of pocket to file bankruptcy.  Zero money down to wipe out debt.  In other words, zero money out of pocket to begin to take back control of your life.  Zero money down can stop the phone calls from creditors.  Also, zero money down may end a wage garnishment.  Retain an Arizona bankruptcy attorney who is dedicated to protecting your rights as a debtor for zero money down.  Bottom line –  it takes zero money down to get out of debt!

FILE BANKRUPTCY ON PHOENIX WITH $0 DOWN

Filing $0 Down Bankruptcy a program offered by our law firm in order to make debt-relief a reality for Phoenix residents.  It is a great deal for many people in Phoenix who have debt and are struggling to make monthly bill payments.  If bankruptcy is the best method to wipe out your debt, we can help you afford to get a fresh start.  Many of our clients are desperate for relief from wage garnishments, collection actions from creditors, and overwhelming amounts of debt.

Filing Bankruptcy in Phoenix, Arizona

Filing Bankruptcy can erase debt, provide a clean slate financially, and the means to move forward.  Thus, out of control debt affects one’s family, personal, and professional life.  Furthermore, it would stand to reason that if a person is in the position to file bankruptcy, they simply cannot find the means to fund an attorney.  Therefore, we understand that some Phoenix residents stay in the vicious cycle of missing monthly payments and accruing more debt because they could not get the up-front fees collected to pay a lawyer.  Thus, we have the solution!

TALK WITH OUR ATTORNEYS ABOUT YOUR

PHOENIX BANKRUPTCY CASE FOR FREE

Our attorneys are professionals that you can feel comfortable talking to, and we listen. Sometimes bankruptcy carries a negative stigma, but our legal staff is here to help. Plus, we don’t judge your debt, we help you eliminate or reduce it. Besides the stress caused by overwhelming debt, there are many reasons that Phoenix residents need bankruptcy protection.

Additionally, our experienced legal team understands debt that is out of control can be devastating. Thus, debt that becomes out of control affects a person’s life professionally, personally, and financially. Therefore, no matter the reason for debt, our experienced Phoenix BK attorneys know the best approach to help you establish a clean financial slate. Thus, when the amount of debt becomes too much, when the phone calls from creditors become too much, and when the frustration of debt becomes too much, call our Phoenix Bankruptcy Lawyers for assistance.

Tell Us About Your Case 
SCHEDULE AN APPOINTMENT

Tell us about your potential Phoenix bankruptcy case. Also, schedule a free, no obligation consultation and debt evaluation with a qualified Phoenix bankruptcy law attorney in Maricopa County, Arizona. Plus, find out your options, get sound answers, get expert legal service, and get help from an experienced and reputable law firm.  Contact our discount Phoenix bankruptcy attorneys today.

PHOENIX BANKRUPTCY BLOGS

Effects Bankruptcy has on credit score in Phoenix, AZ

The effect bankruptcy has on credit scores

Most people believe that filing for bankruptcy will mean that their credit score will drop drastically. There is some truth in this. However, typically individuals filing for bankruptcy are usually already in financial debt crisis. Therefore, our attorneys many times see an already destroyed credit score because of debt. Thus, when a client already has a low credit score, the filer may actually see a significant increase within the first 12 months after filing for bankruptcy protection in Arizona.

Bankruptcy Guide: How Long Does it Stay on My Credit Report?

Additionally, a reason that many people don’t file for bankruptcy (even when they should) is that they fear what it will do to their credit score. Also, part of the legal service at My Arizona Lawyers includes providing assistance to clients throughout the bankruptcy process.  Additionally, we offer programs to help rebuild credit. Plus, we understand that it is an important step for clients filing bankruptcy that they have the information necessary to immediately begin repairing credit. How does bankruptcy affect your credit rating?

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Discharging Medical Bills Through Bankruptcy

eliminating medical debt thorough bankruptcy

Many Phoenix residents experience debt caused by a national health care system that is increasing in expenses.  Also contributing is a steadily failing in insurance coverage. Therefore, it is common for individuals to pay out of pocket for medical expenses, or to find that they owe an outstanding amount for what insurance does not cover. Thus, these people who are dealing with crushing medical debt sometimes also max out credit cards, launch Internet campaigns, or selling what they can to pay off their spiraling medical debt in an attempt to shrink the debt snowball.

Discharging Medical Bills with a Bankruptcy: What are the Rules?

Also, excessive medical debt is one of the top reasons that people file for bankruptcy in Arizona. In many cases, bankruptcy protection can eliminate medical debt or can make it more affordable to repay. Here’s what you need to know if you are thinking of calling a bankruptcy law office to deal with your medical debt:

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PROS and CONS of Filing Bankruptcy in Phoenix

pros and cons of bankruptcy

Arizona Bankruptcy protection is a strategic way to eliminate or reduce debt when you are struggling to pay your bills. Therefore, filing for bankruptcy in Phoenix, Arizona is a legal right that is provided to those who cannot keep up with or possibly repay their debts. Thus, depending on the type (chapter) of bankruptcy you file, you may be able to clear all of your unsecured debts (credit cards, medical debt).  Additionally, you might be able to get a structured repayment plan that reduces your debts and makes them easier to pay off.

Advantages and Disadvantages of a Phoenix Bankruptcy

Before our clients decide whether or not to file for bankruptcy, they take advantage of a free consultation and debt evaluation with an experienced Phoenix bankruptcy attorney. Additionally, the attorneys at My AZ lawyers are well established in Arizona bankruptcy law.  Plus, will help you understand your rights as a debtor. Also, our legal team will help you consider all of the pros and cons before making a decision. Here’s a look at some of the advantages and disadvantages to filing for bankruptcy, depending on your unique circumstances:

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PHOENIX BANKRUPTCY ATTORNEY REVIEWS

My AZ Lawyers attorney provided me with honest advice about my bankruptcy case. I had many questions for the attorney. My free consultation with a lawyer was very helpful. He took the time to explain options, and allowed me to express all my concerns about my debt and about filing bankruptcy. I was a huge relief to finally talk to someone who understood my situation and who could offer help.  -T.K.

★★★★★

Thank you to my Phoenix Bankruptcy Attorney at My Arizona Lawyers.  I had big medical debt due to an accident.  Plus, out of control credit card balances.  Tried to make payments, but fell further behind on monthly payments.  We were in a bad way.  I needed advice about declaring bankruptcy – both the pros and cons. After speaking with Ryan, I knew this was the firm for me. I was most thankful for the understanding and advice given by the attorney. The stress was consuming my life.  Every conversation with my BK attorney helped me feel like I was in control again.  – Marty V. – Phoenix, AZ

★★★★★

I had an amazing experience with the Phoenix bankruptcy lawyer from My AZ Lawyers. Immediately it was clear the lawyer was experienced in bankruptcy law. Also, he worked with me to evaluate my debt, then advised me of the best option to get it out of my life. Initially, I was concerned about the exemptions and losing my tax return and assets. However, he knew exactly how to best proceed with my case. My attorney was competent, and the office staff was very professional.  Thank you for the help. – B. Adams, Buckeye, Arizona.

★★★★★

Contact Our Phoenix, Arizona Debt Relief Lawyers

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My AZ Lawyers Phoenix Bankruptcy Law Office

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Phoenix, AZ 85003

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