#1 Arizona Bankruptcy Lawyers
Our experienced bankruptcy attorneys in Phoenix, Glendale, Mesa, Avondale, and Tucson bankruptcy lawyers provide our clients, both large and small, with the highest quality debt relief representation. Typically, only associated with larger bankruptcy firms, but with the personal service, attention and responsiveness of a smaller firm.
Our affordable bankruptcy lawyers understand that clients deserve more attention and hands on time from their bankruptcy attorney. Many large bankruptcy firms are unable to dedicate their time due to high volume. Thus, at My Arizona Lawyers, our clients are given ample time and opportunity to address all questions and concerns they have with their bankruptcy practitioner. Plus, we offer Free (1) one hour consultations. Additionally, we will not hurry you out the door! Our AZ bankruptcy attorneys offer flat fees for bankruptcy, we don’t ‘nickel and dime’ you.
Chapter 7 Bankruptcy and the Automatic Stay
The Automatic Stay of Protection becomes effective as soon as the bankruptcy is filed. Implementation of the Automatic Stay is a huge benefit of bankruptcy. Once the Automatic Stay is in place, all collection action by your creditors must stop. Including, but not limited to, wage garnishments, foreclosure, bank levies and liens, collection calls, and repossession.
In most cases, the automatic stay remains active until your case is discharged or dismissed. However, filers should be aware that their creditors can file a Motion for Relief from the Automatic Stay, which will allow them to proceed with collection if the judge grants it. These relief motions will only be granted if the filer has done something to jeopardize their filing and the stay.
Additional Benefits of Bankruptcy
The benefits of bankruptcy don’t just start once your case is discharged, or even filed. Thus, from the moment you retain an experienced bankruptcy attorney, you can inform your creditors. Most good bankruptcy lawyers (including all of our Lawyers) should then take your creditor calls. Once you have informed your creditors that you have retained a bankruptcy attorney, they are no longer allowed to contact you. All of their questions regarding your debts must be addressed to your bankruptcy attorney.
Contrary to popular belief, achieving new lines of credit won’t be impossible after your Chapter 7 Bankruptcy in Arizona. Actually, many Arizona filers will be able to finance a vehicle immediately after filing. Getting a new vehicle is also a great way to re-build credit. Additionally, offers for new credit cards and other lines of credit will be abundant once the case is discharged. These companies offering credit have a renewed interest in extending you credit as with bankruptcy in your back window, you are less of a risk to these creditors.
The ($0) Zero Down Bankruptcy Option
Another advantage of filing Chapter 7 is that your attorney may offer a Zero Down payment plan option. With a Zero Down payment option, you will be able to pay for your bankruptcy in monthly installments for 12 months. These monthly payments start after your Chapter 7 bankruptcy is filed. after you file at zero interest. The payments will be credit reported, which will help you rebuild your credit after bankruptcy. Therefore, you should seek the assistance of an Arizona Zero Down Bankruptcy Lawyer when you are considering bankruptcy as your debt relief of choice.
Arizona Bankruptcy Services
Considered Arizona’s #1 bankruptcy law firm, our dedicated bankruptcy attorneys have filed thousands of bankruptcies for people in Maricopa, Pima, and Pinal Counties in Arizona. Our service area is statewide and includes the cities of Phoenix Bankruptcy, Tucson, Chandler, Gilbert, Scottsdale, Glendale, Peoria, Mesa, Casa Grande, Tempe, and Avondale. Our statewide bankruptcy lawyers offer unbeatable prices and great customer service. Plus, we offer Same day bankruptcy filings, Chapter 7 bankruptcy, Chapter 13 bankruptcy, medical bankruptcies, bankruptcy by phone, and Zero Down bankruptcy.