As Mesa and Phoenix Bankruptcy Lawyers & Attorneys, we help you through the process of bankruptcy or debt settlement. We stop the nerve racking process. We stop garnishments, harassment, and other debt collection tactics. Financial difficulty leads to increased stress and anxiety. For most people, debt collection begins to affect all aspects of their lives.  Understanding where to start can be the most difficult part. This is where we can help.

Phoenix & Mesa Bankruptcy Attorneys: Where Do I Go From Here?

As Phoenix Bankruptcy Lawyer, we explain how Chapter 7, 11, and 13 protect families and businesses. With that protection, there are rules that must be understood. This is where a good lawyer makes the difference. This website provides basic laws on bankruptcy. Please set up a free consultation: 480-464-4667.

Where to file bankruptcy? Click here to learn where to file bankruptcy in Arizona.

Phoenix Bankruptcy Lawyers Perspective: Chapter 7 Information

Chapter 7 laws on bankruptcy is often called a “fresh start” or liquidation. This means no additional payments will be debts unless it is a debt you want to keep or the law requires you to pay the debt.  A successful bankruptcy will discharge most debts, or in other words, you don’t have to pay any more money towards your debt. Chapter 7 can be tricky. A free consultation can take away anxiety and stress of dealing with debt.

Most of the time, Chapter 7 is a one-way street. The only way to dismiss a Chapter 7 is to get permission from the Court. If you have non exempt assets, it is very difficult to dismiss a bankruptcy case. This is unique to chapter 7. As Phoenix Arizona Bankruptcy Attorneys, we prepare you for this process.

Click here to learn about Chapter 7.

Mesa Bankruptcy Attorneys‘ Perspective: Chapter 11 Information

Corporations are most well known to use chapter 11 laws on bankruptcy. Under certain circumstances, there are advantages to filing an individual Chapter 11. After reviewing your situation, we will determine if Chapter 11 handles your financial issues. Chapter 11 is similar to Chapter 13. A chapter 11 requires a minimum of a five year plan. Additionally, the Debtor must satisfy the absolute priority rule.

A big benefit is that you can cram down the property to the value of the asset. This makes it possible to take a business that cannot pay all of its bills and create a plan to make payments to get back on track. This is tricky.

Chapter 11 can be the best option for your family or business.

Please call for a free consultation: 480-464-4667

Click here to learn about Chapter 11.

What is a Chapter 13 BK Case?

If you qualify for Chapter 13 bankruptcy, your payment plan will be 36 or 60 months. The length of the plan depends on income.  We prepare you for bankruptcy. If you owned your car for more than 910 days, you can cram down what is owed on your vehicle. This means you pay the value not what is owed on the car.

Chapter 13 is a powerful tool in preserving assets. As a Phoenix Bankruptcy Attorney, we protect your business or family assets.

Click here to learn about Chapter 13.

Choosing Bankruptcy Representation is an Important Decision

Most people are not experienced with the Arizona legal system. In response, the link below will help you decide how to hire legal counsel.

Click here to learn about How To Choose Phoenix Bankruptcy Lawyer.

If you already know you need to file with a Phoenix Bankruptcy Lawyer, download the packet and get started:

Phoenix Bankruptcy Organizer

I look foward to assisting your family and/or business through the process.  Call for a free consultation: 480-464-4667.

Important Links When Considering Filing Chapter 7, 11 or 13 in Phoenix

Click here for the AZ Exemption Scheme

Arizona BK Court

United States Courts BK Court Website

Phoenix Bankruptcy Lawyers

Phoenix Bankruptcy Attorneys