Speak with a Phoenix Chapter 7 Bankruptcy Attorney to see if you qualify for Ch 7. Our experienced Phoenix debt lawyers will advise you to which debts can be discharged. Filing a Ch 7 bankruptcy in Phoenix is a great option if you are facing: Foreclosure, Vehicle Repossession, Wage Garnishment, or Creditor Harassment.
Debts that can be Discharged by Chapter 7 Bankruptcy:
Chapter 13 bankruptcy allows you to pay back a portion of your debt over a 3-5 year repayment plan. If you are currently struggling with debt or considering filing bankruptcy, we encourage you to discuss your situation with a Chapter 13 bankruptcy lawyer in Phoenix.
Reasons why Chapter 13 may be better for you than Chapter 7:
You’re not eligible for a Chapter 7.
Stop foreclosure when you are behind on mortgage.
Deal with debts that cannot be discharged by Chapter 7.
Filing a Phoenix Zero Down bankruptcy is great for people struggling to make ends meet and need bankruptcy assistance. Our debt relief team of Phoenix bankruptcy professionals want to give you peace of mind with a low-cost bankruptcy filing.
In most Chapter 7 bankruptcy cases, Phoenix Bankruptcy Lawyers can file for $0 down in legal fees. (You pay the $335 filing fee to the Bankruptcy Court), but ZERO $ down for legal fees. After filing your Arizona Zero Down case, we arrange for you to make low monthly payments for the post-filing legal services.
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. Additionally, a bankruptcy filing carries the power of an “automatic stay” which acts like an injunction to the process of foreclosure. The Automatic Stay , by court order, immediately 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.
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.
Bankruptcy, Chapter 7 or Chapter 13, is and option for many Phoenix residents who want to reduce or eliminate debt. However, each debt-relief case is unique. Thus, depending on the circumstances of the debt, there may be alternatives to achieving financial freedom. Consult our Phoenix Bankruptcy attorney for more information.
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. Also, consulting with an attorney will help you understand your rights as a debtor, and get options. Plus, our legal team is dedicated to exceptional legal service and representation — if a Phoenix 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. Whereas, Arizona bankruptcy law provides protection of assets, and these exemptions are outlined in each bankruptcy case. Additionally, 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 knowledgeable in the bankruptcy law and code. Thus, our debt relief team helps debtors with retaining assets. Plus, we get you a “Fresh Start” through filing a bankruptcy.
Discuss Your Options with Our Phoenix Debt Relief Lawyers
Discuss your potential debt relief case with an attorney by scheduling a FREE CONSULTATION and FREE DEBT EVALUATION. Therefore, this initial free consultation can help you protect your rights as a debtor. Plus, get answers to your debt relief 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 Arizona Bankruptcy Court appoints a trustee to oversee the case. Documentation and paperwork is collected and filed, then a 341 hearing (Meeting of Creditors) 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 PHX legal team will give you the necessary debt relief information in order to immediately begin repairing your credit. Plus, our Phoenix based debt 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.
Answer: Our Phoenix Bankruptcy Attorneys are the debt relief team you trust when filing bankruptcy in Phoenix, Arizona. Plus, we offer years of experience. Also, thousands of successfully filed Phoenix bankruptcies, both chapter 7 bankruptcies and chapter 13 bankruptcies. Plus, our Zero Down Bankruptcy option, Free Bankruptcy Consultations, and Emergency Bankruptcy Filings male our Phoenix Debt Relief Team the best choice when seeking the best choice in bankruptcy.
Answer: Chapter 13 is a bankruptcy of reorganization.
Whereas, a chapter 7 is a liquidation bankruptcy. Ch 13 BK is filed for various reasons such as failure to pass the Arizona Bankruptcy Means Test, greater protection of assets, and better protection of foreclosure. A Phoenix Chapter 13 Bankruptcy allows the debtor to “reorganize” their debt. In a Chapter 13 repayment plan, the debtor pays back what is owed over a period of 3 to 5 years.
In an Arizona chapter 13 bankruptcy you can repay on your debts. However, the repayment plan is at an amount you can afford based on your budget. Your Phoenix Chapter 13 Bankruptcy Lawyer assists you by figuring a Ch 13 payment plan you can afford. Additionally, if you do not qualify for a Chapter 7 bankruptcy, you can still protect yourself under bankruptcy using a Chapter 13.
A Chapter 13 Bankruptcy in Arizona stays on your credit report for 7 years.
Answer: The most efficient way to stop wages that are being garnished is declare bankruptcy. Thus, filing a Chapter 7 or Chapter 13 bankruptcy in Phoenix, Arizona will stop wage garnishment. Once bankruptcy is filed, an “Automatic Stay” goes into affect which prohibits creditors from proceeding with collection actions.
Contact My AZ Lawyers, PLLC if you are facing a wage garnishment or other collection actions from creditors.
Filing Bankruptcy to STOP a Wage Garnishment Triggers an Automatic Stay.
When declaring bankruptcy in Phoenix, both Chapter 7 bankruptcy and Chapter 13 bankruptcy, put an “automatic stay” on the actions of creditors. The Automatic Stay allows the debtors time to get their finances back on track. By stopping a garnishment of their wages, the debtor then has a full paycheck to work with as they reorganize their debt.
Contact Our Phoenix Bankruptcy Lawyers
PHOENIX BANKRUPTCY ATTORNEY REVIEWS
EXPERIENCED LAWYER
My AZ Lawyers attorney provided me with honest advice about y 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
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
AMAZING EXPERIENCE
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
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.
★★★★★
Maria Smithe - Phoenix, AZ
QUALITY LEGAL WORK
I have never seen this quality of legal work. The personal interest they take is just amazing. And it feels very good to have people like this on your side in a case that can seriously impact your future. Many thanks! Couldn’t have got through my accident with you.
★★★★★
Nora Griffin
GREAT BANKRUPTCY TEAM
Just wanted to drop a review and say how great it was to have the BK team and everyone at My Arizona Lawyers working for me. I don’t do many reviews but I felt like I should let anyone looking for a law firm know My Arizona Lawyers is a great firm to have on your side. I wanted to recommend them to anyone looking for legal help.
★★★★★
Colethea Jenkins
AFFORDABLE REPRESENTATION
Actual $0 Down Bankruptcy! I had my doubts, but it was true and went smoothly.
★★★★★
Jacob Spencer Scottsdale, AZ
WOULD RECOMMEND
They know the ins and outs of the bankruptcy process and know exactly how to take care of it all. I’ve never been in bankruptcy before so can’t compare them to anyone but they were respectful, kept me informed, and explained everything in detail for me. I’d use them again if I needed legal help and would recommend them if you need help.
★★★★★
Tom Harrison Phoenix, Arizona
Awesome firm!
★★★★★
Hector Gonzales Glendale, AZ
HELPFUL
My AZ Lawyers were great! They took over my case and helped me through the process. I would recommend them!
★★★★★
SJ P Peoria, Arizona
MADE THE PROCESS EASY
I’ve never had to hire an attorney before, so the process was unfamiliar to me. I contacted My Arizona Lawyers and they made the entire process Super easy!
★★★★★
Eckert Rutz Phoenix, Arizona
Handled a private matter very well.
★★★★★
Keith Bohlen
GREAT LAWYERS AT A GREAT PRICE
Great Price! Better Lawyers! Thank you My AZ Lawyers.
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 residents dealing with debt should contact our Phoenix Bankruptcy Lawyers for debt relief 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 BANKRUPTCY 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 Bankruptcy 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 assists 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. Therefore, 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 debt relief attorney.
ATTEND 341 MEETING OF CREDITORS’ HEARING
Once your attorney completes schedules, summary, and declaration he or she files your bankruptcy petition with the Arizona 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 341 meeting of creditors is to verify that the documentation and information provided in your Phoenix Lawyer prepared bankruptcy petition 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 BK law firm takes pride in a reputation we have earned — commitment to client and dedication to successful legal representation.
CALL TODAY TO SCHEDULE A FREE DEBT EVALUATION AND CONSULTATION
Experienced Phoenix Bankruptcy Attorney at My Arizona Lawyers
DEBT RELIEF ATTORNEY IN PHOENIX, ARIZONA
Our Phoenix Bankruptcy Lawyers can assist you with filing forchapter 7 bankruptcy, chapter 13 bankruptcy, or another needed form of debt relief.Plus, our Phoenix BK attorneys can assist you with stopping awage garnishment, saving your home from a foreclosure, or getting you out of a vehiclerepossession. Therefore, if overwhelming debt is causing stress personally, professionally, and financially,contact our firm.
✓Phoenix Bankruptcy Lawyers will help you rebuild your credit.
✓ FilingChapter 7 Bankruptcyor Chapter 13 will allow you to end bad financial habits.
Plus,✓Our Phoenix BK law office can give you the ability to pay your current bills on time.
✓ Live your life without stress caused by debt after declaringbankruptcy.
✓ Bankruptcy filing gives you legal protection from creditors and debt collectors.
THINK YOU CAN’T AFFORD A PHOENIX BANKRUPTCY LAWYER?
MY ARIZONA LAWYERS OFFERS ZERO $ DOWN BANKRUPTCY FILINGS
FILE BANKRUPTCY IN PHOENIX WITH $0 DOWN
Filing$0 Down Bankruptcy a programoffered 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 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, and overwhelming debt.
Filing Bankruptcy in Phoenix, Arizona erases 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!
Phoenix Zero Down Bankruptcy Attorneys
Our $0 Down Bankruptcy program requires zero money out of pocket to file bankruptcy in Phoenix, Arizona. Zero money down to wipe out debt. In other words, zero money out of pocket to begin to take back control of your life. Our $0 down BK filing can stop the phone calls from creditors. Also, zero money down may end a wage garnishment. Therefore, 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!
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 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
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?
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?
ArizonaBankruptcyprotection 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
How to Halt a Wage Garnishment When Filing For Bankruptcy
Getting over your head in debt doesn’t just create financial pressures for you. The more delinquent you become with your accounts, the more calls and emails you will get from your creditors, both at home and at work. You will get the calls every day of the week and during the day or at night. It will get to the point that you don’t want to answer the phone or open up your email. As time goes on, your creditors will take more measures to try to get you to pay your debt.
One of the biggest things that holds people back from filing bankruptcy and getting the debt relief they need is the fear that they will lose their house. Therefore, they want to get rid of their debt. However, they don’t want to lose the things they have built so far. Plus, no one wants to lose their family home, whether they’ve only been in it a few years or they’ve lived there for decades. Fortunately,filing for bankruptcy in Mesadoesn’t have to mean losing your house and ending up on the streets.
Filing Bankruptcy is Still Possible During COVID-19 Social Distancing
Filing Bankruptcy during COVID-19. Check out our Coronavirus FAQ’s. Whether you were on the brink of bankruptcy before the pandemic started, or if quarantine measures have drastically reduced your income, you may be wondering if bankruptcy is still an option for you. Therefore, Like everyone else, bankruptcy professionals have had to change the way they operate. However, filing is still possible. Thus, you will first need to decide which chapter of bankruptcy you need to file.
