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    Mesa Bankruptcy Law Office 
    My AZ Lawyers
    1731 W. Baseline Rd.
    Suite #101
    Mesa, AZ 85202
    (480) 263-1699

    Phoenix Bankruptcy Law Office
    668 North 44th Street, Suite #300
    Phoenix, AZ 85008
    (480) 833-8000

    Glendale Bankruptcy Law Office 
    My AZ Lawyers
    20325 N. 51st Ave.
    Suite #134
    Glendale, AZ 85308
    (623) 640-4945

    Tucson Bankruptcy Law Office 
    My AZ Lawyers
    2 East Congress St. Ste. 900 
    Tucson, AZ 85701 
    (520) 306-8729

  • OJ Simpson Lawyer Files For Bankruptcy

    In the early nineties all over the country, including Arizona, people watched the news on edge as the historic O.J. Simpson case played out. Last month the infamous defense attorney who worked on the high profile O.J. Simpson murder case, F. Lee Bailey, made the motion to file for bankruptcy in the state of Maine. He is working with bankruptcy lawyers to discharge his IRS debt of over five million dollars. Our culture’s renewed interest in the O.J. Simpson case, which is evident in current TV shows and documentaries, is putting a spotlight on a lawyer that one would assume would be forgot so long after his pinnacle trial. But how could such a successful attorney be facing bankruptcy?

    oj simpsons lawyer files for bankruptcy

    Understanding the nature of bankruptcy

    Bankruptcy is the legal process of eliminating one’s debts when their assets and income greatly differ and they cannot pay off their debts. Businesses and individual people can apply for different types of bankruptcy. One must account for all their assets and a court will decide if they can apply for bankruptcy.

    Who is F. Lee Bailey?

    Bailey is a former American attorney that handled many high profile cases. For the bulk of his career, he was licensed in the states of Massechusetts and Florida. His expertise was in the field of criminal defense. Outside of his more public cases, he also served as the supervisory attorney over lawyer Mark J. Kadish for the court marrtial of Captain Ernest Medina for the My Lai Massacre. After his accumulation of defeats, legal controversies, and trouble with the law, Bailey was disbarred in both Massachusetts and Florida, meaning he was no longer allowed to practice law in those states. This came about after his reported misconduct while defending Claude DuBoc, an accused marijuana dealer. This misconduct was Bailey’s attempt to take stock assetts that DuBoc agreed to pay the US goverment, because he felt he was entitled to as payment for his legal fees. His use of the stock as collateral for loans led him to being imprisoned for contempt for forty four days until his family was able to raise the money to return the stock to the government.

    F. Lee Bailey’s past and future

    Bailey was one of several lawyers that defended Simpson, a former NFL player, in his 1995 notorious trial for the murder of his ex wife Nicole Brown Simpson and friend Ronald Goldman. Bailey was no stranger to high profile cases. In the sixties, the attorney successfully reversed Dr. Sam Sheppard’s murder conviction and successfully acquitted him for the murder of his pregnant wife in his second trial. Bailey also defended Albert DeSalvo, a man who claimed to be the infamous Boston Strangler.

    IRS debts, due to their tax related nature, are often not eligible debts that can be erased by filing for bankruptcy. F. Lee Bailey claimed that his proceedings should be successful if he can prove that he has abided by specific conditions. One may be able to file for bankruptcy due to IRS debts if they can prove that they have been properly paying their taaxes since the original penalties were recieved. Bailey’s debt is from an income dispute between 1993 to 2001. Bailey was disbarred in the early 2000’s over the midhandling of a client’s assets. The state of Massachusetts put up a reciprocal dibarment several years later. Bailey attempted to get admission to Maine’s bar and failed in 2014. The Maine Supreme Court reversed a ruling from a judge that would have given him access to practice law in the state. Bailey has stated that he wishes to completely discharge his IRS debts and puts the reasoning on his old age, claiming that at eight three years old, “it’s a little late to raise that kind of money overnight.” Bailey’s ultimate fate in his bankruptcy hearing isn’t too easy to predict.

    oj simpson lawyer court room

    Where can I find a great Arizona based bankruptcy lawyer?

    My AZ Lawyers, PLLC can match you with an experienced bankruptcy lawyer in Arizona. If you plan to file for bankruptcy in Arizona, you probably already know that it isn’t the easiest task. Luckily, My AZ Lawyers can give you a consultation and pair you with a bankruptcy lawyer that will fight for you and help you properly and accurately gather your assets to file for bankruptcy in Arizona. Give us a call today to learn more about how we can help you.

    My AZ LawyersCandace Kallen
    1731 W. Baseline Road, Suite 101
    Mesa, AZ 85202
    Office: (480) 263-1699

    20325 N. 51st Ave., Suite #134
    Glendale, AZ 85308
    Office: (623) 640-4945

    2 East Congress St., Suite 900
    Tucson, AZ 85701
    Office: (520) 306-8729

    The Connection between Compulsive Buying Disorder and Bankruptcy Filings

    Do you consider yourself a shopaholic? Maybe you like to buy shoes, or maybe you just can’t resist the latest tech gadget.

    Chances are that you actually just enjoy shopping, not that you are a true shopaholic. Like alcoholics, true shopaholics have a disease — compulsive buying disorder, to be exact. CBD is recognized as a personality disorder in the Diagnostic and Statistic Manual of Mental Disorders that is used by mental health professionals to make a mental health diagnosis. It is treated as a disorder like any other, and it requires a specific treatment plan to manage.

    The Connection between Compulsive Buying Disorder and Bankruptcy Filings

    The Connection between Compulsive Buying Disorder and Bankruptcy Filings

    Approximately 5.8 percent of the United States population suffers from CBD. In some cases, it manifests in people compulsively buying things beyond their means. In other cases, people may just spend a lot of time shopping (not necessarily spending money) or may spend a lot of time thinking about shopping or buying.
    Glendale, Arizona

    Compulsive Buying and Bankruptcy

    Unfortunately, many who suffer from CBD act on their obsessive behavior and actually spend far beyond their means. Some may spend the money that they should be spending on rent or car payments, while others may take advantage of easy credit to max out credit cards far beyond their ability to ever pay them off.

    It’s not uncommon to see people with CBD saddled with tens of thousands in debt — some even push their debt into six figures. Soon, their addiction leaves them in a crippling financial situation that threatens to take away their home, their car and everything else of value they own.

    Bankruptcy can help alleviate the financial burden that CBD has caused in some cases. For example, if the person suffering from CBD has primarily racked up a lot of credit card debt, they may be able to file for Chapter 7 bankruptcy in Glendale to liquidate that debt while still protecting assets like their home.

    If the person suffering from CBD has accrued other debts or fallen behind on their mortgage payment, Chapter 13 bankruptcy may provide some debt relief. Under Chapter 13, your bankruptcy lawyer helps to work out a debt repayment plan that can bring down interest rates and monthly payments to help you get the debt under control.

    A bankruptcy lawyer will be able to look at the details of each individual case to make a recommendation about what type of bankruptcy filing will be best to attain maximum debt relief.

    Managing Your Addiction

    Of course, filing for bankruptcy will only solve part of the problem if you are suffering from compulsive buying disorder. You may get debt relief, but you will still suffer from the compulsive urge to buy, so you may soon find yourself in financial trouble if you don’t get the mental health care you need.

    You need to see a professional counselor who specializes in this type of addiction to find ways to manage your disorder. You will also need to get counseling from a Glendale bankruptcy lawyer or other financial professional who can help you figure out how to put checks in place to prevent you from overspending in the future.

    My AZ Lawyers can help you with the bankruptcy counseling, but you’ll have to seek out a psychologist in Arizona who can help you manage the disorder. Our bankruptcy lawyers can help you understand your options for debt relief and give you guidance about financial management going forward, as well as make recommendations for other financial professionals to work with in Arizona. Whether you have compulsive buying disorder or you have suffered other setbacks that have caused you to experience financial problems, we are ready to help you. Call us today to talk with an experienced Glendale bankruptcy lawyer to discuss your options for debt relief.

    My AZ LawyersCandace Kallen
    1731 W. Baseline Road, Suite 101
    Mesa, AZ 85202
    Office: (480) 263-1699

    20325 N. 51st Ave., Suite #134
    Glendale, AZ 85308
    Office: (623) 640-4945

    2 East Congress St., Suite 900
    Tucson, AZ 85701
    Office: (520) 306-8729

    Top Tips on How to Prepare for Filing for a Mesa Bankruptcy

    Top Tips on How to Prepare for Filing for A Mesa Bankruptcy

    Top Tips on How to Prepare for Filing for A Mesa Bankruptcy

    Here are a few things you can do before you file for bankruptcy.
    Mesa, Arizona

    Bankruptcy is an important benefit afforded by the law to help you make a new start after experiencing financial problems. Some people think negatively of bankruptcy, like it means that they have failed or that they are lacking in some way. But the truth is that bad things happen to everyone at some point in their lives, and some of those things can cause serious financial problems. For example, you could be diagnosed with cancer, which may lead to you being unable to work, having to sell your home and drain your savings, and being saddled with hundreds of thousands in debt.

    Bankruptcy can either allow you to discharge certain debts — meaning that you are not obligated to pay them — or allow you to create a re-payment plan that is more affordable and easier for you to manage. A Mesa bankruptcy lawyer can help you understand the laws and how they can help you, as well as what type of bankruptcy might be best for you.

    Besides talking to a qualified attorney, here are a few other things you can do before you file for bankruptcy:

    Review All Three Credit Reports

    All of your debts and the current status of your accounts will be listed on your credit reports. It is important that you and your lawyer understand exactly where you stand before beginning the bankruptcy process. For example, one creditor might be reporting that you owe more than you think based on additional fees or interest for the delinquency. Your attorney may be able to challenge those fees.

    Reviewing your credit reports can also remind you of accounts that you let lapse into delinquency long ago. These may also be able to be discharged in the bankruptcy, depending on what chapter you are filing.

    In addition to reviewing your credit reports, you should also review public records to find out if any of your creditors have pursued action against you. Your Arizona bankruptcy lawyer will be able to help you with this task.

    Stop Using Credit

    There are very strict laws about the purchases you make before you file for bankruptcy. If you are taking out new credit or are making a lot of purchases on your current cards, you could be accused of committed fraud. The court might think that you are trying to take advantage of the system by running up your debts and then having them discharged in the bankruptcy.

    You should also not take out any personal loans with friends or family. These can also be included in your bankruptcy proceedings.

    Stop Paying Your Loans or Credit Cards

    Also, by filing for bankruptcy, you are saying that you do not have the money to pay your bills. That means that you shouldn’t have the money to keep paying for your credit cards, personal loans or other unsecured credit. You should stop paying those bills immediately. Yes, that non-payment will be reported to the credit bureaus, but all of those debts are about to be wrapped up in a bankruptcy filing, which will supersede those reports anyway. The last note on your report will say that the debts were included in your bankruptcy filing.

    You should also not make any payments on personal loans made by friends or family. While this may cause some tension, it is necessary. Making payment to friends or family when you say that you are unable to make payments to your creditors can also be seen as fraud. Paying family and friends can land you and them in legal hot water.

    Make a Budget

    Filing for bankruptcy means that you will have to learn to live on less. You need to take a hard look at your finances and make a realistic budget. If you are filing for a Mesa Chapter 7 bankruptcy, you will be able to take off your monthly payments to credit cards and other unsecured creditors. If you are filing for a Mesa Chapter 13 bankruptcy, you will have a consolidated monthly payment to all your creditors.

    By making this budget, you’ll create a plan that will help you get through the bankruptcy process and will set you up for success in life after bankruptcy. If you make the right budget and stick to it, you may be able to avoid getting into the same type of financial trouble again. While you won’t be able to avoid all possibilities — like losing a job or becoming seriously injured — sticking to a modest budget can help you save money and minimize your risk in the future.
    Filing for Bankruptcy in Mesa
    If you are trying to file for bankruptcy yourself without consulting an attorney — which is almost never advised — there are many more things you can do to prepare. You can contact your creditors to try to set up a payment plan on your own. You can keep your bank accounts low so that creditors are not able to seize assets to pay for your debts. You can plan to file your paperwork far before tax time so that any return you get is not fair game for creditors to seize. You can even get a new cell phone so that you don’t have to keep being harassed by creditors.

    Attempting to handle your own bankruptcy is almost never advised because there are many things you can miss that can create legal problems for you or that can jeopardize your bankruptcy filing. You can also overlook things that can cost you much more money in the long run or that can cause you to lose valuable assets such as your home or car. Always call an experienced bankruptcy lawyer to get the advice you need and to ensure your bankruptcy is filed properly.

    My AZ Lawyers can help you. Every bankruptcy lawyer on our team has years of experienced representing clients throughout Arizona. We can help you understand your legal rights and help you file the case that will best help you get a fresh financial start. Contact us to learn more.

    My AZ LawyersCandace Kallen
    1731 W. Baseline Road, Suite 101
    Mesa, AZ 85202
    Office: (480) 263-1699

    20325 N. 51st Ave., Suite #134
    Glendale, AZ 85308
    Office: (623) 640-4945

    2 East Congress St., Suite 900
    Tucson, AZ 85701
    Office: (520) 306-8729

    How A Private Investigator Can Uncover Hidden Assets During A Bankruptcy

    Private-investigatorAnyone residing in Arizona that would like to file for bankruptcy must keep something in mind; there will be an investigation of assets. If there are any hidden assets, they will most likely be found by the use of a private investigator. The private investigator will be able to access many databases to find assets and they will also be able to use computer forensics to track and locate possible hidden assets.

    A private investigator/PI is defined as a person who can be hired by a person or by a group. The goal of hiring the PI is to investigate the actions and/or assets of a person. A PI can be hired by an individual but is often hired by an attorney in some kind of civil case. Arizona private investigators can be hired for many different types of cases, including divorce/child custody and bankruptcy.

    In the state of Arizona, there are many reasons a person may choose to file for bankruptcy. Anything from extremely large medical bills to home foreclosure to car repossessions can force a person to file for bankruptcy. Also, a person may try to get out of paying child support by not disclosing all of their assets.

    Hidden assets are assets that a person does not disclose having, on paper. Hidden assets can be many things, including: undisclosed deposit boxes, retirement accounts, bank accounts, stocks, savings bonds, donations, real estate property, antiques, cars, boats and much more. If a person filing bankruptcy does not notify the courts that they are in possession of such assets, it is against the law.

    By using computer forensics and also by accessing many databases, a PI can quickly figure out if a person has any hidden assets. They possess at least some knowledge of the legal process and understand how to gather and present evidence needed to prove hidden assets.

    Those wishing to declare bankruptcy in Arizona should be sure to advise the courts of all assets. If a PI find any hidden assets during their investigation, there could be very serious consequences to the case. Any assets hidden by a person either at an undisclosed location or by family and friends will most likely be found through the course of the bankruptcy proceedings.

    Related Post:

    Guest Blog Published By:

    Veritas Associates, LLC
    By
    9832 N. Hayden Road, Suite 105
    Scottsdale, Arizona 85258
    Office: 480-294-0911

    Can I Get Rid of my Student Loans in Bankruptcy?

    Many people in Arizona find themselves struggling to make ends meet as they are burdened with credit card debt, medical bills, mortgage payments, plus, they have to repay all of their student loans from college.  For the majority of the debt that they have, there is debt relief, however, even if they figure out a way to handle their other debts, they will still be buried under the burden of student loan debt.  It leaves many people in Arizona asking, “Are my student loans dis-chargeable through bankruptcy”?

    Under the bankruptcy code, student loans are generally NOT dis-chargeable by filing bankruptcy. This means that if you have student loans and file bankruptcy you will continue to be liable for the full payment of these obligations in most cases.  Unfortunately, student loans are usually not discharged in the case of bankruptcy.  According to Chapter 7 Bankruptcy law the only time a student loan might be discharged is if it would cause the debtor “undue hardships”.  The same basic rule also applies to Chapter 13 Bankruptcy cases.  In short, NO, you can not get rid of your student loans by filing chapter 7 or chapter 13 bankruptcy.

    Virtually any other kind of debt; including medical bills, mortgage payments, payday loans, credit cards bills, car loans payments, and even gambling losses, can be discharged in bankruptcy, allowing the “honest but unlucky” a chance to restore their footing through an arduous restructuring overseen by a court.

    But under a 2005 law passed by Congress to protect lenders, private student loans fall under the same nearly-impossible-to-clear category as child support payments and criminal fines.  Does this seem fair, not particularly, but it is an effort to keep private student loan lenders protected from students racking up thousands of dollars in student loans and then filing bankruptcy to discharge the debt right after college.

    The Federal Reserve Bank of New York estimates 37 million Americans have student loan debt, totaling $870 billion. The average balance is around $23,000.  That seems like a steep amount of debt to service as your first job out of college is usually not that high-of-paying position.  Only 39 percent of student loan holders are paying down balances. An estimated 5.4 million borrowers have at least one student loan account past due.  Despite the high number of late payments and mounting student loan debt, there is currently no federally mandated form of debt relief in place to help those who are struggling with the burden of student loans.

    If you have questions or would like more information about discharging your student loans through bankruptcy, filing bankruptcy in Arizona, or may be in need of a low cost bankruptcy attorney.  Please contact our Affordable Bankruptcy Lawyers at the My AZ Lawyers, PLLC.  We offer low cost bankruptcy assistance in Phoenix, Tucson, Mesa, Glendale, and throughout Arizona.  Call and set up a FREE consultation today.  (480) 833-8000 in the Mesa and Phoenix area, (623) 640-4945 in Glendale and Peoria, Arizona, or (520) 306-8729 in Tucson, Marana, or Oro Valley.  We look forward to assisting you with your student loan and bankruptcy concerns.

    Ways to Get Out of Credit Card Debt

    Dealing with your credit card debt in Arizona.

    Individuals and couples throughout Tucson, Mesa, Glendale, and throughout Arizona are facing massive credit card debt and find themselves spiraling down into a black hole of credit card debt complete with high interest rates, late payment fees, minimum payments that can’t be met, and balances which seem to be getting higher by the month.  Regardless of the situation, there are better ways to manage both your credit cards and the massive amount of debt that your credit cards may have on them.

    If you have more than one credit card, (which most people in Arizona who are facing credit card debt do), it is a good idea to transfer your balances to the card with the lowest interest rate. This will help decrease your payments overall, plus, the lower interest rates will lead to lower payments as you won’t be facing the higher interest rates of the other credit cards.

    Improve your rates. One of the quickest way to save big on your credit card bills is to negotiate a lower interest rate. If you can shave off even a percentage point or two, you can save hundreds as you pay off the high balances that you have on your credit cards.

    Find your motivation and support.  Another suggestion that will help to decrease your credit card debt is to create reachable yet solid goals and to stay focused. Maybe getting rid of your credit card debt will allow you to save for a down payment on a house in Scottsdale that you have always wanted, maybe the family will be able to go on a vacation to The Grand Canyon, or maybe the extra money can be used to send your daughter to Arizona State University. Having a goal will provide the necessary motivation to help you focus on reducing your credit card debt.

    Once you have yourself focused, its time to start decreasing the amount of purchases and how much you use your credit cards.  When you already owe so much money that you simply cannot make payments, you need to stop using those cards. Try paying in cash when possible, and reconsider making certain purchases in general. Should you find yourself unable to stop charging, cut up your credit cards to prevent yourself from doing any further damage.

    Reorganize your debts and begin paying them off, smallest to largest. It will pay off financially, decreasing your debt will lead to less worrying, gaining control over your debt and spending will give you a better piece of mind.  You will find that with each debt you erase, your confidence (and credit score) will increase just a little more.

    If you would like additional help with your current financial situation or find that your credit card debts are beyond your control.  Please contact our law offices today.  Find the answers and guidance that you seek at a FREE consultation.  Our team looks forward to helping you.

    Prescott Bankruptcy Attorneys

    Our Prescott bankruptcy attorneys are here to help you learn about the process of filing bankruptcy in Prescott, Arizona. Prescott, Arizona is the county seat of Yavapai County. The Yavapai-Prescott Indian Tribe reservation is located adjacent to and partially within the borders of Prescott. The towns of Prescott Valley (7 miles east) and Chino Valley (16 miles north), along with Dewey-Humboldt (13 miles east) and Prescott, together comprise what is locally known as the “Quad-City” area.  Combined these towns account for over 100,000 residents and consumers that may need the assistance of an experienced Prescott area bankruptcy law firm.

    How does our affordable Prescott and Yavapai County bankruptcy law firm offer you some of the lowest bankruptcy fees in all of Arizona along with a no obligation, free bankruptcy consultation? That is a good question. In today’s economic upheaval in Prescott, Prescott Valley, and Chino Valley, Arizona, many hardworking, honest individuals and families are being overwhelmed by financial worries, garnishments of wages, vehicle repossessions, and foreclosure problems. Many are losing their cars, their homes, and their life savings. These hardworking individuals need sound legal advice, prompt debt relief, and the chance at a “Fresh Start”. Our Prescott Bankruptcy Attorneys can provide the help that they need.

    Do you answer “yes” to any of the following bankruptcy questions?

    • Are creditors harassing you at home? At work?
    • Is your credit card debt out of control?
    • Are you ignoring dozens of collection calls a day or thinking about changing your phone number?
    • Are you being sued or having your paycheck garnished?
    • Are you late on your rent or utilities?
    • Are you facing unexpected expenses or medical debt?

     

    If so, our Prescott bankruptcy lawyers can help you with your current financial situation.  Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy is not the right choice for everybody in Prescott and Yavapai County. Visit with our affordable Prescott bankruptcy law firm and find out if it is the best option for you.

    Filing for bankruptcy may also help you by:

    *** Stopping IRS Harassment
    *** No More Creditor Calls
    *** Ending Wage Garnishments
    *** Saving Your Home
    *** Getting a Fresh Start
    *** Get Rid of Credit Card Debt
    *** Stopping Foreclosure
    *** Ending  Repossession

    The Prescott bankruptcy attorneys at the My AZ Lawyers, PLLC offer help, guidance, and legal services in Arizona bankruptcy.  Our bankruptcy law firm welcomes the opportunity to discuss your financial issues, answer your bankruptcy questions, and hopefully give you piece of mind through a free, no obligation consultation. We offer payment plans and a FREE debt evaluation (In person or by phone) of your financial situation.  Please call our bankruptcy law office to arrange an initial free consultation. We offer bankruptcy by phone or you can meet with one of our affordable bankruptcy lawyers at our office conveniently located at 51 Avenue and the 101 freeway.  We welcome all individuals from Prescott, AZ in need of debt relief to our Bankruptcy Office at 20325 N 51st Avenue, Suite #134, Glendale, AZ 85308. Or call (623) 640-4945 to schedule your free, no obligation, bankruptcy consultation today or to proceed with our bankruptcy by phone option of filing for bankruptcy protection in Prescott, Arizona.

     

    Oro Valley Bankruptcy Lawyers

    Tucson Area Bankruptcy Attorneys

     

    Our Oro Valley bankruptcy attorneys are here to help you learn about the process of filing bankruptcy in Oro Valley, AZ.  If you need chapter 13 bankruptcy protection, Chapter 7 bankruptcy protection, immediate creditor relief, or some other form of debt relief in Oro Valley and Tucson, Arizona our experienced bankruptcy lawyers, debt relief experts, and bankruptcy attorneys will be a great asset to have on your side.

    How does our affordable Oro Valley and Tucson bankruptcy law firm offer you some of the lowest bankruptcy fees and a no obligation,  FREE Bankruptcy Consultation? That is a good question. In today’s economic upheaval in Oro Valley, Marana, and Tucson, Arizona, many hardworking, honest individuals and families are being overwhelmed by financial worries, garnishments, repossession, and foreclosure problems. These hardworking individuals need sound legal advice, prompt debt relief, and the chance at a “Fresh Start”.

    Our experienced, affordable Tucson area bankruptcy lawyers provide financial guidance, smart options, and multiple solutions through our FREE Debt Evaluation and FREE Initial Bankruptcy Consultation with a qualified Oro Valley bankruptcy attorney. If you live in the Oro Valley, AZ or Tucson, AZ communities and find yourself in trouble due to job loss, divorce, or staggering medical bills, please seek out the assistance of our professional staff and find out what is your best financial option.  Contact us for a FREE Consultation today!

    We can help you with your current financial situation.  Our Oro Valley chapter 7 bankruptcy lawyers and Tucson bankruptcy attorneys can help you stop a wage garnishment.  Our debt relief experts can end the constant creditor calls.  Our experienced bankruptcy lawyers can, in most cases, delay or stop a trustee sale.  Let our Oro Valley bankruptcy law firm help you save your family home.

    Get real bankruptcy answers to all of your financial questions from our qualified Oro Valley, Arizona bankruptcy lawyers. Advice from your friends or the Internet isn’t going to give you the legal answers and guidance that you need right now. It just is not possible to know who to trust and what to believe. There are answers… you just need to ask an experienced bankruptcy attorney who has your best interests in mind. We will stick by you every step of the way as you explore the possibility of declaring bankruptcy in Oro Valley and Tucson, Arizona.  Our trusted Oro Valley bankruptcy law firm look forward to hearing from you and assisting you with your bankruptcy filing.

    Our Oro Valley and Tucson, Arizona Bankruptcy attorneys offer free initial consultations and debt evaluations. We have some of the most affordable legal rates in Oro Valley, Tucson, and all of Arizona.  Our Oro Valley bankruptcy lawyers, in most cases, will match or beat the legal fees of our competitor’s. Our Arizona bankruptcy law firm offers payment plans for all budgets and households.  Our Oro Valley and Tucson bankruptcy attorneys offer night and weekend appointments, and a no hassle, no pressure, no obligation, FREE, consultations for you either over the phone or in one of our Tucson area bankruptcy law offices.

    FREE Consultations (Either in person or by phone) Contact us now!

    FREE Consultation. Call (520) 306-8729

    FREE Bankruptcy Consultation. Call (520) 306-8729

    Looking for more information about declaring Chapter 7 bankruptcy or Chapter 13 bankruptcy in Oro Valley or Tucson, Arizona? Our low cost Bankruptcy lawyers in Oro Valley, AZ can answer your bankruptcy questions as soon as today.

    Contact our Tempe Area Bankruptcy Law Office at (520) 306-8729 to set up an appointment with one of our bankruptcy lawyers today. You can also get helpful bankruptcy information or make an appointment on-line at http://bankruptcy-az.com . Bankruptcy is our business. We look forward to hearing from you.

     

    Peoria, Arizona Bankruptcy Attorneys and Lawyers


    The My AZ Lawyers, PLLC

    Peoria, Arizona bankruptcy attorneys and lawyers can provide you with debt relief options to your current financial situation.  If you or your family are struggling to make ends meet like so many people in Peoria, Arizona, our experienced debt relief experts will provide you with possible solutions and answers to your financial questions.  Sometimes facing the hard truth about your “real” financial situation is a difficult thing.  Our Glendale and peoria, Arizona bankruptcy lawyers will analyze your finances and deliver possible solutions.
    Our Peoria bankruptcy attorneys are here to help you learn about the process of filing chapter 13 bankruptcy and chapter 7 bankruptcy in Peoria, Arizona. There is a difference between chapter 7 bankruptcy and chapter 13 bankruptcy.  Our experienced Peoria bankruptcy lawyers will evaluate your financial situation and advise you as to which chapter of bankruptcy you qualify and which chapter of bankruptcy may be in the best interest of you and your family.
    • Chapter 7 bankruptcy in Peoria, Arizona – Filing Chapter 7 bankruptcy completely eliminates unsecured debts such as credit card debts, medical bills and personal loans.
    • Chapter 13 bankruptcy in Peoria, Arizona – Filing Chapter 13 bankruptcy eliminates or reduces unsecured debts, and provides a three-to-five year payment plan for your remaining debts. Chapter 13 bankruptcy is most appropriate for people with regular incomes or who have significant property (home) they want to keep.
    If filing bankruptcy is not right for you, our experienced Peoria and Glendale debt relief experts will let you know and provide you with other potential debt relief solutions.
    How does our experienced and low cost Peoria, Glendale, and Deer Valley bankruptcy law firm offer you some of the lowest bankruptcy fees in all of Arizona along with a no obligation, free bankruptcy consultation? That is a good question. In today’s economic upheaval in Peoria, Avondale, and Glendale, Arizona, many hardworking, honest individuals and families are being overwhelmed by financial worries, garnishments, repossession, and foreclosure problems. Many individuals in Peoria, Arizona are losing their homes, their vehicles, their 401 K, and their life savings. These hardworking individuals need immediate debt relief, bankruptcy advise and sound legal guidance, prompt debt relief, and the chance at a “Fresh Start”.
    The moment your chapter 7 bankruptcy or chapter 13 bankruptcy is filed with the bankruptcy court by one of our experienced bankruptcy attorneys, the protective measures of bankruptcy become effective. These protective measures better known as the “automatic stay” instantly take effect. All garnishments will cease, collection actions against you must stop as creditors will be forbidden from attempting to collect debts. Your Fountain Hills bankruptcy attorney will advise you as to which chapter of bankruptcy may be the best for you and your financial situation.
    Filing Chapter 7 bankruptcy or Chapter 13 bankruptcy may help by:
    • Getting Rid of Credit Card Debt
    • Putting a Stop to IRS Harassment
    • Getting you and your family a “Fresh Start”
    • Peoria, Arizona bankruptcy attorneys and lawyers answering your financial questions
    • Stopping a Repossession in Peoria, AZ
    • Stopping a Foreclosure in Peoria
    • Putting an end to creditor calls
    • Ceasing Wage Garnishments
    • Saving your family home in Peoria.

     

    Filing chapter 13 bankruptcy or chapter 7 bankruptcy in Peoria, Arizona is not the right choice for everybody. Our bankruptcy attorneys understand that bankruptcy isn’t always the answer.  We will not recommend filing bankruptcy if it isn’t in the best interest of you and your family. Call us today for a free consultation, get your bankruptcy questions answered. Find out if filing bankruptcy is the best option for you. An experienced bankruptcy lawyer, debt relief specialist, or bankruptcy attorney will be able to help guide you and figure out what debt relief solution is the right solution for your financial situation.

    The My AZ Lawyers, PLLC offers help, guidance and legal services in Arizona bankruptcy.  Our bankruptcy law firm welcomes the opportunity to discuss your financial issues, answer your bankruptcy questions, and hopefully give you piece of mind through a free, no obligation consultation. We offer payment plans and a FREE debt evaluation (In person or by phone) of your financial situation.  Please call our office to arrange an initial free consultation. We offer bankruptcy by phone or you can meet with one of our affordable bankruptcy lawyers at our office conveniently located at 51 Avenue and the 101 freeway.  We welcome all individuals from Peoria, AZ in need of debt relief to our Bankruptcy Office at 20325 N 51st Avenue, Suite #134, Glendale, AZ 85308. Call (623) 640-4945 to schedule your free, no obligation, bankruptcy consultation today.

    Do you have any debt relief or bankruptcy questions?  If so, schedule a free bankruptcy consultation, call (623) 640-4945 to contact our Peoria Area Bankruptcy Lawyers. You can also get more bankruptcy information/contact us on-line at: www.bankruptcy-az.com   The My AZ Lawyers, PLLC, represents clients throughout Peoria, Arizona (AZ), Phoenix, Arizona (AZ), Glendale, Arizona (AZ), Goodyear, Arizona (AZ), Avondale, Arizona (AZ), Litchfield Park, Arizona (AZ), Sun City, Arizona (AZ), Surprise, Deer Valley, Arrowhead, Buckeye, Tolleson, El Mirage, Youngtown.

    Tucson Chapter 13 Bankruptcy Attorneys

    Filing Chapter 13  bankruptcy in Tucson, Arizona allows a person to consolidate the debt while making convenient monthly payments to a trustee. A Tucson bankruptcy lawyer will prepare a payment plan for you, the plan is proposed which repays the debt over a three to five year period.

    The amount of the monthly payment and the length of the repayment plan is based upon the following factors:

    • Monthly income of the person
    • Monthly expenses of the person
    • Amount and nature of the debt

    The most common uses of a Chapter 13 bankruptcy in Tucson, Arizona involve:

    • Repayment of mortgage arrears (back amounts owed) home
    • Restructuring of auto loans to save a vehicle

     

    In a Chapter 13 bankruptcy, secured debts are paid 100% on the dollar, while unsecured debts may be paid less than 100% on the dollar. A person receives a discharge under Chapter 13 bankruptcy in Tucson, AZ once the payment plan is completed.

    Chapter 13 bankruptcy in Tucson, Arizona is a repayment plan that usually takes 3 to 5 years. It is overseen by the Bankruptcy Court to make sure everyone (creditors and the debtor) play by the rules, and it allows you to pay your creditors back on terms that are favorable to you. (This is different from a Chapter 7 filing, which simply liquidates your assets in order to pay back creditors and does not require ongoing payments.) A Tucson Chapter 13 bankruptcy also allows you to keep certain property (e.g., house or car) even if you have been behind on payments.

    The My AZ Lawyers, PLLC, is a debt relief agency servicing all of Arizona. Our Affordable bankruptcy attorneys and bankruptcy lawyers help people file for bankruptcy relief under the Arizona bankruptcy code. The My AZ Lawyers, PLLC provide bankruptcy planning, Chapter 7 and Chapter 13 filing options to those experiencing extreme financial difficulty. We have offices in Mesa, Chandler, Tucson and Glendale,AZ servicing the entire Phoenix metro area, and all of Arizona.

    Experienced, affordable and professional, the bankruptcy lawyers and bankruptcy attorneys at The My AZ Lawyers, PLLC provide personalized and compassionate bankruptcy planning and filing services to individuals, families, and businesses experiencing extreme financial difficulty. Our team of bankruptcy lawyers and bankruptcy attorneys understand the sensitive nature of filing for bankruptcy and are committed to protecting your interests and maintaining the discretion you deserve.
    Many of our clients are simply Arizona individuals or Arizona families looking to get a fresh start. Some of our other clients are Arizona business owners searching for attorneys sophisticated and experienced enough to handle more complex bankruptcy filings.

    Our business bankruptcy clients include: retail stores, service companies, and restaurants.

    Whatever your reasons are for considering filing Chapter 7 or Chapter 13 bankruptcy in Tucson, Mesa, Glendale, or Phoenix, Arizona, we understand. The My AZ Lawyers is non-judgmental; our experienced bankruptcy lawyers and bankruptcy attorneys understand how financial problems can easily happen to anyone and we firmly believe everyone deserves a second chance. The Arizona bankruptcy laws are designed to give you a chance at a Fresh Start, there is no better time than now to improve your quality of life, stop threatening collections, and get your life back on track. Filing for bankruptcy in Arizona, be it chapter 13 bankruptcy or chapter 7 bankruptcy has many advantages.

     

    Some of the advantages of declaring bankruptcy in Arizona include:

    • Filing bankruptcy may rebuild your credit.
    • Declaring bankruptcy will help you stop bad financial habits.
    • Filing bankruptcy in Arizona may help you stay out of debt.
    • Declaring bankruptcy in AZ will let you live your life without worry.
    • Chapter 7 and chapter 13 bankruptcy in Arizona gets you a “Fresh Start”

     

    Before you make any decision about filing Chapter 7 or Chapter 13 bankruptcy in Tucson, Glendale, Phoenix, or Tempe, Arizona, please speak with one of our low cost bankruptcy lawyers or affordable bankruptcy attorneys, find out your bankruptcy options at either a FREE initial consultation with one of out bankruptcy lawyers.  Your FREE bankruptcy consultation can either be in person or by phone.

    Our licensed Arizona based Bankruptcy Attorneys in Phoenix, Tucson and Glendale can walk you step by step through what options are available to you while going through the process of filing chapter 13 or chapter 7 bankruptcy in Arizona. Find out if filing bankruptcy is the right option for you .

    Many people in Phoenix, Arizona; Chandler, Mesa, Glendale as well as Tucson and Tempe, Arizona are going through hard times in this tough economy. Filing chapter 13 or chapter 7 bankruptcy in Arizona is a legitimate option that deserves your careful consideration. If you are falling behind in your financial obligations, you owe it to yourself and your family to investigate all of your options, be it a chapter 7 bankruptcy, a chapter 13 bankruptcy, or some other debt relief option. We offer a free debt analysis and consultation with a debt relief expert. It is NEVER a good time to do NOTHING. Call us today and make an appointment with one of our Arizona debt management counselors, Arizona bankruptcy lawyers, and Arizona bankruptcy attorneys.

    The bankruptcy experts at The My AZ Lawyers, PLLC offer an initial free consultation in all bankruptcy matters with our experienced bankruptcy lawyers and trusted bankruptcy lawyers. It is important that you see a bankruptcy attorney or bankruptcy lawyer in person because each case is different and needs individual attention. Once the decision has been made by you to file bankruptcy, our chapter 13 and chapter 7 bankruptcy lawyers will ask that you provide complete and accurate information so the attorney can try to foresee any possible difficulties. After all of the information is provided, the bankruptcy forms are prepared and the final product is reviewed with each client and signed. The meeting of creditors will be thirty to forty five days after the date of filing. If any further hearings are required the chapter 13 and chapter 7 bankruptcy attorneys will represent your interests at them and let you know if you need to attend. The My AZ Lawyers, PLLC will be with you every step of the way while filing chapter 7 or chapter 13 bankruptcy in Arizona.

    My AZ Lawyers


    Arizona Bankruptcy Attorney, Lawyers For Bankruptcy In Glendale, Bankruptcy Attorney Mesa AZ, Lawyer For Filing Bankruptcy In Tuscon
    1731 West Baseline Road #101
    Mesa, AZ 85202
    5 stars - based on 14 reviews
    480-833-8000
    Phoenix@Bankruptcy-AZ.com

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