Get Help From An Arizona Bankruptcy Attorney
Stop Creditor Harrasment • Protect Your Rights & Interests • Get Peace of Mind
Millions of Americans have sought relief from the heavy interest payments, unexpected medical bills, and other overwhelming debts by filing for bankruptcy. Bankruptcy laws are in place to help honest, hard-working Americans find relief from the burden of overwhelming debt. Whether you need help filing for bankruptcy under Chapter 7 or Chapter 13, we can help you eliminate your debt, protect your assets and prepare for a “clean” future. We will answer questions honestly and will not advise you to file for bankruptcy unless it is truly in your best interest.
Let Us Be Your Bankruptcy Solution:
- Free Initial Consultation
- Clear, Simple Process
- Personal Attention from an Experienced Bankruptcy Lawyer
- Compassionate, Non-judgmental and Respectful Treatment
- Affordable Legal Solutions for Your Situation
- All Major Credit Cards Accepted
- Payment Plans Available
Phoenix Chapter 7 Bankruptcy Specialist
Chapter 7 bankruptcy is intended to help individuals with a “fresh start” by eliminating all unsecured debt. Under Chapter 7 bankruptcy laws, the debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors. The debtor receives a discharge of all dischargeable debts usually within four months. The debtor may “reaffirm” certain secured debt, such as a mortgage and automobile loans. This means that you can eliminate all credit card debt and keep your home and car by agreeing to continue to repay the loan. In the majority of cases the debtor’s assets can be protected or “exempted”, so Chapter 7 will give that person a relatively quick “fresh start”.
Phoenix Chapter 13 Bankruptcy Lawyer
Chapter 13 Bankruptcy is for individuals and business owners who intend to repay their debt, but need immediate relief from collections, additional late payment penalties and interest. Chapter 13 Bankruptcy is a reorganization of debt that can help substantially reduce monthly payments for secured and unsecured debt. Chapter 13 is useful for those individuals who are behind on their mortgage payments, and need an opportunity to pay them current over time. Unlike Chapter 7 bankruptcy, Chapter 13 means that you intend to repay the debt you owe, by structuring a legal debt payment plan that will be reviewed, approved, and overseen by a bankruptcy court.
Considering bankruptcy can be an overwhelming decision.
Contact us today to schedule a free consultation & we’ll help you determine whether filing for bankruptcy is the right choice for you. Call 602-672-6887 or email us at firstname.lastname@example.org.
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What debts are erased by a bankruptcy?
Most unsecured debt is erased in a bankruptcy except for:
- Child support and alimony
- Debts for personal injury or death caused by your drunk driving
- Student loans
- Some income tax debt
Will creditors stop harassing me?
Yes! By law, all actions against a debtor must cease once bankruptcy documents are filed. In every bankruptcy case there is an “automatic stay” put into place which stops all creditor activity. Creditors cannot begin or continue any lawsuits, wage garnishments, or make telephone calls or send letters demanding payments.
“I was faced with over $140,000 in business debt and was no longer part of the business. The collectors were calling my work, my family, and my home. I was so embarrassed that my finances were completely out of my control. Ms. Sanchez helped me qualify for a chapter 7 bankruptcy and guided me through the entire process. She made me feel comfortable and gave me a clean slate. Thank you Ms. Sanchez!”
- James S.