Mesa Bankruptcy Law Office
My AZ Lawyers
1731 W. Baseline Rd.
Mesa, AZ 85202
Phoenix Bankruptcy Law Office
668 North 44th Street, Suite #300
Phoenix, AZ 85008
Glendale Bankruptcy Law Office
My AZ Lawyers
20325 N. 51st Ave.
Glendale, AZ 85308
Tucson Bankruptcy Law Office
My AZ Lawyers
2 East Congress St. Ste. 900
Tucson, AZ 85701
Best Glendale Bankruptcy Attorney
How to Hire the Best Bankruptcy Lawyers in Glendale, Arizona
Finding the best Glendale bankruptcy lawyer can be one of the most important decisions you make when you are considering filing for chapter 13 bankruptcy or chapter 7 bankruptcy in Glendale, Maricopa County, Arizona. Both the knowledge and the expertise of your dedicated Peoria, AZ bankruptcy attorney can help you make the decision as to what form of debt relief is the best option for you and your family as your explore the possibility of declaring bankruptcy. Having an experienced bankruptcy attorney that you trust and that you are comfortable with gives you added piece of mind when moving forward with your debt relief in Glendale, Arizona.
Our affordable and knowledgeable Glendale, AZ and Peoria, AZ bankruptcy lawyers provide our clients, both large and small, with the highest quality debt relief representation and bankruptcy assistance. Our Glendale bankruptcy law firm offers the customer service typically only associated with larger bankruptcy firms, but with the personal service, attention, and responsiveness of a smaller bankruptcy law firm. This may be another quality you should consider out when searching for the best Glendale bankruptcy attorney.
There are many bankruptcy attorneys in the Glendale and Peoria areas and throughout the Phoenix metro area. With so many choices as to who might represent you as your bankruptcy lawyer, it would be a great idea to compare one bankruptcy attorney to another. No sense settling for someone who isn’t the best. Seek out the best bankruptcy attorney in Glendale, Arizona.
Even with all of the choices in bankruptcy lawyers, the most important choice is deciding who is the right bankruptcy attorney for you and your financial situation as you pursue chapter 13 or chapter 7 bankruptcy in Glendale, Arizona. There are many circumstances that arise, sometimes unexpectedly, that may be the reason that you are seeking the assistance of a Glendale debt relief expert. If any of the following circumstances apply to your current financial situation. You should strongly consider contacting a Peoria or Glendale bankruptcy lawyer.
If You Answer “Yes” to Any of the Following… You May Want to Hire a Glendale Bankruptcy Lawyer
- Do you have maxed out credit cards?
- Are you behind on utility payments?
- Have your utilities have been shut off?
- Are creditors harassing you at home and work?
- Have you recently lost your job or had a reduction in hours?
- Has one or more of your vehicles has been repossessed?
- Are you using one credit card to pay another?
- Have you have “bounced” one or more checks recently? (NSF checks)
- Do you have multiple payday loans?
- Are you only making minimum monthly payments?
- Facing foreclosure or eviction?
- Are you worried about your family’s financial security?
- Behind on your mortgage?
- Unable to keep up with the first and second mortgage payments?
- Do you need an opportunity to get your financial affairs back in order?
Hiring a Bankruptcy Attorney in Peoria, Arizona
Another thing that you may want to consider when hiring the best bankruptcy lawyer in Glendale, Arizona is to find a bankruptcy attorney who is willing to offer you a free consultation. You should also seek out a Glendale bankruptcy attorneys who will work with you as far as a payment plan to assist you with the payment of your bankruptcy fees. Offering free bankruptcy consultations and payment plans is more of a common-place thing with Glendale bankruptcy law firms than the exception, don’t settle for less.
Most importantly, find a Glendale bankruptcy attorney that you like and that you can trust. You will be working with your Glendale bankruptcy attorney throughout your entire bankruptcy filing process. There are many options in Peoria, AZ and Glendale, AZ as far as bankruptcy law firms, take your time and choose your best Glendale Bankruptcy Lawyer.
Celebrities and Bankruptcy
How Rich People File for Bankruptcy
How is it that seemingly “rich” celebrities, athletes, business leaders, and seemingly successful people are declaring bankruptcy? What’s the deal? If those who have money are declaring bankruptcy, what hope is there for the “average American” struggling with finances? I often thought the problem with celebrities was overspending. Seriously, I get it – every woman wants a real Louis Vuitton handbag. But is it necessary to carry your poodle in a dog carrier that costs more than the average person’s mortgage? OK, so fine. If I had the money, I would have one too. In Las Vegas, shopping at the high-end designer shops I have actually had this thought: If I splurged on even one handbag, I would literally have to declare bankruptcy! So I wonder, are a high majority of the people who seem to “have it all” really just living beyond their means? Are those Burberry sandals and new vehicles and fabulous digs legit? Or is everyone living with the financial burdens on their shoulders? And just how is it that famous (or not so famous) persons do earn a lot of money, but all of a sudden are declaring chapter 13? Isn’t bankruptcy for people who DON’T have any money?
Celebrities, Politicians, Movie Stars, Famous Pop Stars, and even professional athletes find it necessary to file for chapter 7 or chapter 13 bankruptcy. It is something that can happen to everyone, evidently anyone from any walk of life declares bankruptcy. Financial problems caused by divorce, lawsuits, medical problems, or the economy can impact anyone’s financial situation. Maybe famous people are “pushed” into a lifestyle that takes a lot of money to maintain. There is quite an extensive list of notable persons who have filed personal bankruptcies. It is evident that financial problems do not single out people in any one income bracket or profession. A financial crisis can affect anyone at any point in our lives and careers. Americans, so it seems, regardless of appearances, are struggling to manage their financial situations.
Best Phoenix Bankruptcy Lawyer
Bankruptcy Attorneys in Phoenix, AZ
On behalf of the My AZ Lawyers, PLLC. Posted in Mesa Bankruptcy on Friday, May 11, 2012.
Hiring the best Phoenix bankruptcy lawyer can go a long way when you are considering filing for chapter 7 or chapter 13 bankruptcy in Phoenix, Arizona. Not only will the experience of a dedicated bankruptcy attorney help you decide if bankruptcy is the right debt relief option for your financial situation, but it will give you piece of mind knowing that you have a debt relief expert to fight for your rights.
Arizona Bankruptcy law is a very complex legal area with laws that frequently change. Many law firms in the Phoenix metro area simply dabble in bankruptcy law without staying at the cutting edge of bankruptcy exemptions or changes to the law. Make sure that you hire an experienced and dedicated bankruptcy law firm to file your chapter 7 or chapter 13 bankruptcy in Phoenix, Arizona.
Many people in Phoenix, Arizona think bankruptcy is bad or not the right choice for them, however, they have little information on exactly how it works and the benefits that filing for chapter 7 or chapter 13 can bring to their life. Filing bankruptcy in Phoenix is one of several options that are available to residents, couples, families, and businesses in Phoenix who are considering filing for bankruptcy.
Another thing to look for when choosing the best Phoenix bankruptcy attorney is to find a bankruptcy attorney who is willing to offer you a free consultation. You should also find an attorney who will work with you as far as payment plans to assist you with the payment of your bankruptcy fees. It is also important that you seek out a bankruptcy attorney who you like and with who you feel comfortable working. There are many options in Phoenix, take your time and choose your best Phoenix Bankruptcy Attorney.
Filing Bankruptcy and Your Credit Score
Will filing for bankruptcy ruin my credit score?
If you are in the same financial situation as so many people in the poor economy, you may be considering filing for chapter 13 or chapter 7 bankruptcy. Bankruptcy is a very personal and private matter that should only be entered into after careful consideration. The assistance of an experienced bankruptcy attorney could be helpful in your decision when considering bankruptcy as a form of debt relief for your financial situation.
There is no doubt that your credit scores will drop anywhere from 100-300 points immediately after filing for bankruptcy. The variation of how much your credit score drops is dependent upon how high your credit score was prior to filing. Keep in mind, by the time you decide to file for bankruptcy protection, your credit scores have already taken a serious hit from: missed payments, being over your credit amount, judgments, credit inquiries, and mismanagement of your credit accounts. That’s the bad news. The good news is that you can start rebuilding immediately after filing for bankruptcy. You and your credit have been given a do-over and it is time for a “Fresh Start”.
After you file bankruptcy, it is reported on your credit report as a public record. There is nothing that you can do to stop this fact as your bankruptcy will be part of the public record. However, every year more and more people are forced into filing for bankruptcy and it has almost become something that is socially more accepted now than in the past. Just know that you are not alone!
Filing for bankruptcy will not always hurt your credit score, in some cases your credit score may rise after you file for bankruptcy. One of the determining factors in your credit score is the debt-to-income ratio. If you have a lot of debt and little income, this ratio will impact your score in a negative way. However, once you file bankruptcy, your debts are erased and you will find yourself with little to no debt. With no debt, your credit score will increase as your debt-to-income ratio is now in better shape. In theory, your credit score could actually rise after filing for bankruptcy.
If you have additional questions as to how filing bankruptcy will affect your credit score, please contact our Arizona Bankruptcy Attorneys for a free consultation. You can reach our Arizona Bankruptcy Law Firm at (480) 833-8000 in the Phoenix area and at (520) 306-8729 in the Tucson area. We look forward to hearing from you.
Vehicle Repossession in Arizona
Creditor Rights | AZ Bankruptcy | Stopping Repossession with Bankruptcy
by Max Gunderson
Getting a new car, truck, boat, or recreational vehicle is fun. There is an excitement that you feel as you have a new “toy” to play with. However, you need to remember when you decide to finance or lease a car, truck, or other vehicle that your creditor or lessor holds important rights on the vehicle until you’ve made the last loan payment or fully paid off your leasing obligation. These creditor rights are established by the contract that you signed when financing the vehicle and through Arizona state law. Continue reading “Car and Vehicle Repossession in Arizona – Creditor Rights” »
Tucson, AZ Foreclosure Lawyer
Facing Foreclosure in Tucson, Arizona
Are you afraid that you’re going to lose your house? When you are seriously behind on your mortgage payments, the lender has the right to seize your house in Tucson, AZ. When you purchased your home you signed loan documents. In these documents, you used your house as collateral for the loan. Because of this, the lender has the right to foreclose on your house if you cannot pay as indicated by the loan documents. Continue reading “Protecting Your Home from Foreclosure in Tucson, Bankruptcy” »
by Max Gunderson
This is a continuation of my previous blog, responding to a recent segment of the Mike Huckabee Show* that ran on August 17, 2010 focusing on persistent, obsessive and vicious phone calls from debt collectors. I recommend watching the full segment below.
(*Note: We at the My AZ Lawyers are not endorsing any political group by posting this video. We consider this a non-partisan video and are positing it for educational purposes only) Continue reading “Creditor Harassment Part 2: What Practices Are Off Limits for Debt Collectors?” »
A recent report in The Arizona Republic gives some hope to valley residents. Despite the on-going nationwide recession, the numbers of bankruptcy filings in Phoenix, Arizona have declined for the 4th consecutive month. Continue reading “Bankruptcy Filings on the Decline in Phoenix?” »
Predatory Lending, Preying on Arizona College Students and Chapter 7 Bankruptcy
The increasing number of college students obtaining credit cards goes hand in hand with the fact that people in their early 20’s are among the fastest growing group of people filing for bankruptcy nationwide. One of the fastest growing groups of bankruptcy filers in Arizona are college students and people in their early 20’s. Many college students worry that if they file for Chapter 7 bankruptcy that they will never be able to get another credit card. This is just not the case as most people who file for Chapter 7 bankruptcy see a flood of credit card offers soon after they file. Continue reading “College Students and Credit Card Debt: Part 2 of 2” »