Avondale Bankruptcy Attorneys Law Officemichael2020-06-03T21:41:30+00:00
Avondale Bankruptcy Attorneys
Our Avondale Bankruptcy Attorneys know that Bankruptcy is designed specifically to help people who need a second chance. Thus, the law recognizes that people can become overcome by debt. Additionally, it recognizes that people can be caught by unexpected circumstances. Therefore, financially devastating things like an accident or medical expenses, a divorce, loss of a job or simply by making the wrong financial choices. Therefore it is the belief of our Avondale Debt Relief Team that declaring bankruptcy doesn’t cause problems, it fixes them.
The income limit to qualify for a Chapter 7 Bankruptcy depends on the family size. You should consult with an attorney to determine how many dependents you have in the context of a bankruptcy and if your income qualifies based on your family size. They will also be able to determine which forms of your income count towards these limits or if they are exempt.
If you have filed a Chapter 7 Bankruptcy that was dismissed, you will have to wait 180 days before you can file another Chapter 7. If your Chapter 7 is successfully discharged, you will have to wait 8 years before you can file another Chapter 7. You will need to wait 4 years until you are eligible to file a Chapter 13. If you have completed a Chapter 13 Bankruptcy, you will need to wait 2 years before filing another Chapter 13, and 6 years before filing a Chapter 7.
Yes. Your attorney will be able to determine which of your assets are exempt and therefore protected during your bankruptcy. Each state’s exemptions are different, so be sure to provide your attorney with an accurate residential history. You will need to wait two years to get a home loan. However, you can get a new vehicle once your case is filed. If you expect to receive a sum of money in the future, like a tax return, personal injury settlement, or inheritance, inform your attorney so they can determine if it will be protected.
Both Chapter 7 and Chapter 13 filers will need to attend a 341 Meeting of Creditors. This will be your creditors’ opportunity to show up and ask questions about your bankruptcy petition. The trustee will also ask you about your case. For most bankruptcy filers, it is a relatively simple procedure that shouldn’t take more than half an hour. In Chapter 13 Bankruptcies, there is also a hearing to confirm your payment plan. If you intend to reaffirm any of your financing agreements, you will need to attend an additional reaffirmation hearing.
Zero Down Bankruptcy is a payment plan option some attorneys provide that allows you to pay for both your bankruptcy court filing fee and your legal representation fees after your petition is filed. Instead of paying your case in full before you file, you will have a post-filing payment plan for up to 12 months at 0% interest. Your payments will be credit reported.
A skeleton filing, also known as an emergency petition, is a briefer version of the petition with less information than a normal bankruptcy petition. The bankruptcy courts allow you 14 days to get the rest of your petition drafted and filed. Your case will be dismissed if you don’t submit the full petition within the deadline. This option is good for emergency situations such as wage garnishments and home foreclosures. The Automatic Stay will go into effect after the skeleton petition is filed and protect against those types of asset seizures. Your 341 Hearing will still be 30-45 days after the date of the skeleton filing.
A Chapter 13 Bankruptcy is a reorganization of your debts. Chapter 13 is also known as a “Wage Earner’s Bankruptcy” as it usually for people who have a job and make too much money to qualify for a Chapter 7 Bankruptcy. Once in a Chapter 13, your debt will be spread out in a Chapter 13 payment plan that lasts 3-5 years. If you have any arrearages on your mortgage or other loans, a Chapter 13 gives you the chance to catch up gradually. To file a Chapter 13 Bankruptcy, there is a cost of $310 for a filing fee paid to the Bankruptcy Court.
Your payment plan will be determined using your income, reasonable expenses for your family size, and the amount of debt. Any outstanding balance on your vehicles, a fee for the trustee, your arrearages, your attorney’s fees, and a portion of your unsecured debts will be included.
A Chapter 7 simply discharges your debts instead of requiring you to be on a payment plan. However, there are strict income and asset value requirements in a Chapter 7. If you have filed a Chapter 7 bankruptcy in the past 8 years, you are only eligible for a Chapter 13 bankruptcy.
If you are comfortable discussing it with others, you should ask friends or family members that have previously filed bankruptcy for attorney referrals. If no one can give you a referral, your next best bet is to online search for attorneys. The bar website for your jurisdiction should have an attorney search feature. Google, Yelp, and Avvo searches provide the benefit of client reviews. If you have an attorney for another matter such as divorce or employment, they may be able to recommend a bankruptcy attorney.
This will depend on how your credit was before filing, and what steps you take to rebuild your credit after filing. If you had good credit before it will drop more significantly than if you had bad credit to begin with. After filing, opening new lines of credit will help raise your score. You can get a credit card, secured or otherwise. If you are financing your current vehicle and keep it in the bankruptcy, your lender won’t be required to report positive payment. However, if you get a new vehicle, making current payments will help you begin to rebuild your credit. We also offer 0 down post-filing payment plans which are reported and will similarly help your score rise.
Our bankruptcy office in Avondale is comprised of experienced Avondale bankruptcy attorneys and staff. We have lawyers who are ready to assist you in eliminating the overwhelming debt that you and your family may be facing. There is no sense losing another night of sleep. Let our Avondale bankruptcy attorneys make the process of filing for bankruptcy in Avondale fast and seamless.
When hiring our Arizona bankruptcy team, you can rest assured that you are working with highly experienced, knowledgeable bankruptcy attorneys. We are committed to helping the people of Avondale, Surprise, and Goodyear, Arizona achieve the debt relief that they seek. Keep in mind, our Avondale bankruptcy attorneys have filed hundreds of Arizona bankruptcies and assisted thousands of people with debt relief in Arizona.
FREE bankruptcy consults near you in Avondale!
We know that you may be having financial problems, otherwise you wouldn’t be investigating bankruptcy. Our Avondale bankruptcy attorneys and staff take the stress and troubles out of the process of filing for chapter 7 or chapter 13 bankruptcy with our FREE consults. At your free consultation we will analyze your financial situation, give you possible solutions to your problem, and will answer any questions you may have. We’re also in a neighborhood near you with offices throughout Arizona. Contact us now, one of our trusted staff is standing by ready to help you.
Coming to terms with the fact that you need to file an Avondale bankruptcy is very difficult for many individuals. Sometimes the emotions surrounding such a decision can make it difficult to accurately assess your financial situation. Therefore, if you have already tried to fix your financial situation through attempting to increase your income, getting a second job, by reducing spending, or by selling assets, then it is time to consider a bankruptcy filing.
Zero Down ($0) Bankruptcy in Avondale
Our Avondale Bankruptcy Lawyers understand that filing for bankruptcy can be stressful. Also, we realize many people want their cases filed immediately to stop garnishments, repossessions and collector calls. However, coming up with the money to pay the full fee in advance is not an easy task. Whereas, many attorneys want to help, most will not file your bankruptcy petition unless they are paid in full. Our office is different, we offer a Zero ($0) Down Bankruptcy to assist those in need.
Trying to put together several thousand dollars for bankruptcy attorney fees may take months to years for someone who is needing to file a bankruptcy. Mostly, our clients cannot wait that long. More often, our clients need relief NOW. Therefore, we try to maintain several funding options for our clients, including Zero Down Bankruptcy option.
Why choose My Arizona Lawyers?
We offer free consultations. You get free, honest legal advice with no obligation.
Besides Filing your bankruptcy we offer instant debt relief through filing your case.
Another benefit is we guarantee the lowest bk attorney fees.
Compassion Our experienced attorneys have your best interest at heart.
We also have the experience. We have filed hundreds of Arizona bankruptcy cases.
Our Avondale Bankruptcy Attorneys offer payment plans for every budget.
We also offer Aggressive Representation. We can even sue creditors for harassment, so you get paid.
Additionally, we pay great attention to detail with each of our bankruptcy clients.
Our staff is empathetic to the situation of our clients.
Become debt free! Bankruptcy start to finish in as little as 90 days.
Affordable Avondale Bankruptcy Legal Service
Chapter 7 and Chapter 13 Bankruptcy can eliminate debt including credit cards, bank loans, and medical bills. My AZ Lawyers will assess your financial situation and best determine if you qualify for Chapter 7 or Chapter 13 Bankruptcy in Arizona. Our Avondale bankruptcy attorneys will discuss all your options.
Residents in Avondale, Arizona contact My AZ Lawyers for their debt relief case, because our firm has a reputation for providing excellent legal representation at an affordable rate. Years of experience and thousands of debt-related cases and qualified attorneys knowledgeable in the Arizona Bankruptcy Law makes our firm the best choice in representing your legal case.
Many of our Avondale clients want creditors to stop calling, and to regain control of their life. Even after exploring and exhausting all other options to pay back debt, if it is just too much. An Arizona bankruptcy filing can give you a clean slate, erase date, and stop the phone calls. According to Arizona law, collection actions against you must cease once a Chapter 7 or Chapter 13 bankruptcy has been filed.
My AZ Lawyers will act quickly to file your petition, and set the bankruptcy protection in motion. A creditor may not initiate or continue wage garnishments, telephone calls, or continue lawsuits demanding payments. Our Avondale bankruptcy attorneys can file an emergency bankruptcy petition if you are in jeopardy of a home foreclosure or other issue that needs immediate legal attention.
♦KEEP YOUR ASSETS – REBUILD YOUR CREDIT
Our Avondale Bankruptcy team will work with you to help you retain your assets: you may be able to keep your home, car, and other personal belongings when filing either Chapter 7 or Chapter 13 Bankruptcy in Arizona. Our attorneys are the best Avondale bankruptcy attorneys, because they know the law.
Additionally, our Avondale bankruptcy attorneys know the ins and outs of the bankruptcy code, they know the courts, and they know they trustees. My AZ Lawyers will always proceed with your best interests in mind and dedicate their efforts to the best possible outcome for your case.
Next, our Avondale Bankruptcy Law firm will help you to understand the steps to take following your bankruptcy discharge. We want you to quickly get back onto the track of financial success. Showing you how to rebuild your credit is one way our team demonstrates our commitment to clients. Our Avondale bankruptcy attorneys serve from the beginning to the end of the bankruptcy legal process.
Avondale Bankruptcy Service
12725 W. Indian School Rd. Suite E, #101 Avondale, AZ 85392
Contact our office to schedule a free debt evaluation with one of our experienced, affordable bankruptcy lawyers in Avondale, AZ. A debt management expert and bankruptcy attorney in our Avondale, Arizona office can help. My AZ Lawyers services all of Maricopa and Pima counties in Arizona. We also service the communities of: Anthem, AZ, Avondale AZ, Goodyear AZ, Prescott AZ, Peoria AZ, Scottsdale AZ, and Surprise AZ.
Avondale, Arizona residents trust the experience of My AZ Lawyers to handle their bankruptcy and debt-relief needs.
Contact the Avondale bankruptcy attorneys to find out if bankruptcy is your best option to erase debt. Therefore, filing for bankruptcy is not an easy decision to make; there are many considerations that need your attention. The experienced attorneys at our Avondale Bankruptcy Law firm will be able to help you assess your financial situation and get you started on the best method to achieve debt relief.
A lawyer knowledgeable in Arizona Bankruptcy Code will be able to provide you with specific options, information, and answers. Therefore, it is up to you to decide if now is the right time to schedule a FREE DEBT EVALUATION. Furthermore, you need to decide if you are ready for a great financial future. If so, contact our office through this website, or call to schedule an in-person on by phone confidential, professional, helpful consultation.
Avondale Bankruptcy Lawyers | My AZ Lawyers
OUR AVONDALE BK LAWYERS CAN HELP.
Are you an Avondale resident struggling with debt? My AZ Lawyers can help. Whether you are considering Chapter 7 or 13 bankruptcy, our lawyers will help you take charge of your financial future. Hence, our legal professionals are trained to find the best solution for your individual financial situation. Remember: bankruptcy is designed to alleviate financial stress. Therefore, bankruptcy should help you to move forward into a debt-free, burden-free financial future. If you are an Avondale resident in need of legal financial advice and are considering filing for bankruptcy please call My AZ Lawyers at (623) 640-4945.
Consumer Bankruptcy Lawyers in Surorise and Avondale, Arizona
Chapter 13 Bankruptcy and Chapter 7 Bankruptcy Attorneys in Avondale
Chapter 7 and Chapter 13 Avondale Bankruptcy Attorney
Filing chapter 7 bankruptcy or chapter 13 bankruptcy in Avondale is a perfect debt remedy for anyone facing financial issues in these challenging economic times in Avondale. Debt relief laws offer different avenues that an experienced Avondale bankruptcy attorney can use to help consumers in Avondale.
Thus, an attorney at My AZ Lawyers will determine the best solution for your case based on your legal needs and goals. Furthermore, we will explore all legal options: debt consolidation, Chapter 7 bankruptcy, and chapter 13 bankruptcy, or debt negotiation. These are solutions available to most consumers even under the 2005 bankruptcy law revisions. Having an attorney experienced and knowledgeable in the Arizona Bankruptcy Code, Law, and court proceedings and process is your best option for eliminating your debt.
Call our Avondale Bankruptcy Law Firm for details on payment plans and financing options so that you can get expert legal representation for an affordable cost.
How can we help?
When overwhelming debt, harassing creditor phone calls, and missed opportunities are affecting your life, it is time to contact My AZ Lawyers. We can help. An attorney can provide a FREE DEBT EVALUATION and let you know exactly, what your legal options are to deal with your specific debt. Our team is professional: we don’t judge anyone for their debt. My AZ Lawyers wants to explore options and give you the best course of action to take so that you can have the quality of life you deserve.
When life happens, and you find yourself in a situation where debt affects your future, the Avondale bankruptcy lawyers at My AZ Lawyers are ready to assist you by putting debt-relief strategies to work for your case. Take advantage of the opportunity to call an experienced Avondale attorney who will listen to your needs and discuss your concerns. By getting information and options, you are better able to make good decisions regarding your financial future.