Frequently Asked Questions2018-07-02T18:29:53+00:00

Questions For The Bankruptcy Lawyer

Frequently Asked Questions From Bankruptcy Attorney Candace Kallen

Frequently Asked Questions From Bankruptcy Attorney Candace Kallen

After filing chapter 7 bankruptcy or chapter 13 bankruptcy, it will be time for a fresh start. You will be able to enjoy a life without creditor harassment, without anxiety over unpaid bills. After you have filed bankruptcy, your debt-to-income ratio is improved and lenders may even consider you less of a credit risk after filing bankruptcy since the majority of your debts were eliminated in your bankruptcy. Initially, interest rates on new loans can be relatively high, but credit is typically available immediately after receiving your bankruptcy discharge.

Q: Will I be able to pick and choose which assets to put into my bankruptcy?2017-05-03T00:37:40+00:00

A: No. Every asset that is in your name must be listed in your bankruptcy filing. Once you have included all of your assets, one of our experienced bankruptcy lawyers will use the applicable Arizona bankruptcy exemptions to protect your assets. In most cases, all of your personal and tangible assets will be exempted, along with your car, your house, etc.

Q: If I file for bankruptcy, will I be able to keep my pets?2017-05-03T00:37:30+00:00

A: Yes, you should be able to keep your pets even though you are filing for bankruptcy. Although you should report animals of any value on your schedules such as pedigree dogs or cats, horses etc., you will most likely be able to exempt your pets from your Phoenix, Tucson, Arizona bankruptcy and keep your pets.

Q: Can I get rid of Medical Bills in a Chapter 7 Bankruptcy?2017-05-03T00:37:15+00:00

A: Absolutely! Are you overwhelmed with medical debts? If you have significant medical bills, filing an Arizona Chapter 7 Bankruptcy can eliminate your medical bills completely. Contact one of our bankruptcy lawyers in Phoenix, Tucson, Flagstaff or other locations in Arizona and find out if the bankruptcy means test says you qualify to file for Chapter 7 Bankruptcy.

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Q: Can I get obtain credit after I file bankruptcy?2017-05-03T00:36:52+00:00

A: Credit cards probably contributed to your bankruptcy filing. However, staying current with credit cards after your bankruptcy is an excellent way of rebuilding your credit. Credit cards are usually available immediately after receiving your bankruptcy discharge. In fact, in many cases the very same creditors whose debts were just discharged during the bankruptcy may offer you credit once again. The credit card companies are offering you a “fresh start” with them. The credit card companies are motivated by future profits, not past losses, and see the bankruptcy on your credit report as an opportunity to justify charging you higher interest rates and fees. Secured credit cards, (which require a deposit), are readily available after bankruptcy and can be used just like a regular credit card. Obtaining new credit and managing it wisely is the best way to improve your credit following a bankruptcy — even if obtaining more credit equates to higher interest rates in the short-term. Ask the professionals at to get you started on one of our credit rebuilding programs.

Q: If I file for bankruptcy in Arizona, can I keep one of my credit cards?2017-05-03T00:36:38+00:00

A: Most credit card companies will want you to keep their credit card for use after bankruptcy. They will do this for you if you agree to reaffirm the balance on their card and enter into a new agreement, signed after the bankruptcy filing…We don’t believe that it is worth reaffirming your credit card debt during your bankruptcy filing.

If I file for bankruptcy in Arizona, can I keep one of my credit cards?

Q: How do I rebuild my credit after filing for bankruptcy?2017-05-03T00:36:06+00:00

A: If you are considering declaring bankruptcy in Arizona and are worried about what the effects declaring bankruptcy will have on your credit score, you should contact a bankruptcy lawyer in Arizona and ask about what effects bankruptcy has on your credit rating and how to rebuild your credit after filing for bankruptcy in Tucson, Phoenix, Glendale, throughout Arizona.

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Q: Can I buy a car after filing for bankruptcy?2017-05-03T00:35:43+00:00

A: Yes! You should be able to get an auto loan immediately after filing for bankruptcy. There are several places that offer loans to people going through a bankruptcy. The interest rates that you will receive will be steep, but financing a car after a bankruptcy is possible. Ask your knowledgeable Arizona bankruptcy specialist to recommend a source for you to receive auto financing after your bankruptcy filing in Arizona.

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Q: Can I purchase real estate after I file bankruptcy?2017-05-03T00:35:30+00:00

A: When buying a house, it is often wise to wait the two years to rebuild your credit and save for a down payment. Lenders do not usually take bankruptcies into consideration as long as you have waited for at least two years after your bankruptcy discharge to apply for a loan. Not all lenders operate that way, there are some lenders who may finance a mortgage in as little as one day after your bankruptcy discharge. However, the interest rates offered by those lenders are generally significantly higher than the rate you could obtain after rebuilding your credit and saving for two years. It is very important to work on rebuilding your credit after filing for bankruptcy.

Q: Can I keep my property if I file for bankruptcy?2017-05-03T00:35:18+00:00

A: Usually you can keep your property if you choose to file for bankruptcy. Certain property is called “exempt” (that means protected) assets. You are allowed to keep those items that are exempt when filing for bankruptcy protection. The concept behind exempt items is that you will need certain basic items in order to make a successful fresh start after declaring bankruptcy.

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Q: How long is Chapter 7 bankruptcy reported on my credit?2017-05-03T00:35:05+00:00

A: A Chapter 7 Bankruptcy is reported on your credit for 10 years following the filing of your case, that doesn’t mean that it takes 10 years to obtain more credit. Typically, recent bankruptcy filers qualify for certain types of credit immediately after their bankruptcy is discharged. Ask the professionals at to help you get started on a credit re-building program once your Arizona bankruptcy has been discharged.

Q: What is Chapter 7 bankruptcy protection?2017-05-03T00:34:54+00:00

A: A chapter 7 is the most common form of Arizona bankruptcy and is most often filed by individuals and couples. This bankruptcy protection is also available to corporations, partnerships, and limited liability companies (LLCs). In Arizona Chapter 7 bankruptcy proceedings, a court-appointed trustee liquidates your non-exempt assets and divides funds equally between creditors. All remaining debts are then discharged.

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Q: Is declaring bankruptcy the solution?2017-05-03T00:34:32+00:00

A: The decision to file bankruptcy should not, in general, be driven by a single debt. Deciding to file bankruptcy should be made after considering: your total financial picture, the scope of relief that bankruptcy offers you, and the non-bankruptcy alternatives that are available to you.

If you still have questions on any bankruptcy issue, our Phoenix, Tucson, Arizona bankruptcy lawyers will consult with you at no charge. Contact us to schedule a free debt evaluation or specifically request to speak with one of our experienced bankruptcy attorneys. Call us today. We are available to help you now!

Find out if bankruptcy is the right choice for you. The consultation is FREE and our advice is sound.

Q: I file for bankruptcy, do I still have to keep paying child or spousal support payments?2017-05-03T00:34:07+00:00

A: Declaring bankruptcy does not get you off of the hook for your child and/or spousal support payments. Payments made to your ex-spouse or the legal guardian of your child for child or spousal support that was ordered in your divorce settlement agreement is considered “non-dischargeable.” That means that even if you declare Chapter 7 bankruptcy, you are still obligated to make these payments.

Q: How will filing bankruptcy affect my spouse?2017-05-03T00:33:53+00:00

A: Filing bankruptcy in Arizona can be filed by one or both married partners. If you are considering filing for bankruptcy in Phoenix, Tucson or anywhere in Arizona you should contact an experienced bankruptcy attorney. It is entirely legal for a person to file for bankruptcy in Arizona without his or her spouse.

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Q: How long do I have to wait before the creditor harassment will stop?2017-05-03T00:33:42+00:00

A: We can stop creditor harassment Immediately! If you choice to retain us after your FREE Initial Consultation, we will give you a client record number. You can then refer all those annoying creditor calls to your bankruptcy lawyer from our office. Feel the freedom as there are no more credit card payments and no more harassment immediately upon retaining The My AZ Lawyers.

Q: Do I have to go to court in order to file for bankruptcy?2017-05-03T00:33:26+00:00

A: Yes, the law requires that you attend a Section 341 (Meeting of Creditors). This hearing is conducted by the bankruptcy trustee assigned to your case. At this hearing, the trustee will ask you questions about your petition, assets, and liabilities. In most cases, this court appearance is the only one required, and you will not even see the judge assigned to your case. As your attorney, we will attend your 341 Hearing with you to protect your interests. We are there for you every step of the way throughout your bankruptcy filing.

Q: Who will know if I file for Bankruptcy in Arizona?2017-05-03T00:33:14+00:00

A: If you file for bankruptcy, it doesn’t mean that everybody will know that you have filed. The only parties that will automatically receive notice of your Arizona bankruptcy are your creditors, the bankruptcy court and the Internal Revenue Service (IRS). Your employer will not be notified of your bankruptcy, unless, however, your employer is also one of your creditors. Filing bankruptcy in Arizona is a matter of public record, so, in theory, anyone who wants to find out if you have filed bankruptcy could determine that you had filed. Generally, though, only you, your creditors and the IRS will know that you have filed for bankruptcy. The My AZ Lawyers will take extra steps to ensure the protection of your personal information and the confidentiality of your situation.

Q: Are there payment options for my bankruptcy?2017-05-03T00:33:02+00:00

A: Yes there are! Bankruptcy attorneys at The My AZ Lawyers have arranged our fees on a “flat fee” basis to ensure affordability. Low price bankruptcy that is affordable in Phoenix, Tucson, Flagstaff, and throughout Arizona.

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Q: How do I pay for a bankruptcy?2017-05-03T00:32:50+00:00

A: If your financial troubles are bad enough that you are seriously considering filing for Chapter 7 or Chapter 13 bankruptcy, then you are probably also asking yourself “How am I going to pay for a bankruptcy when I can’t pay any of my other bills?” It is a natural question. After all, attorneys do not come free and there are mandatory filing fees. Here are some suggestions that might help you find an answer to the question you’re asking.

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Q: Is filing bankruptcy the best solution to my financial problems?2017-05-03T00:32:37+00:00

A: There is no one answer for everyone. People considering filing bankruptcy from excessive debt have a number of options to choose from. It is important to understand the differences and impacts from one option to the next. The My AZ Lawyers, bankruptcy attorneys servicing Phoenix, Scottsdale, Tucson and all of Arizona, will take the time to give you all the information you need to make the best decision for your situation.

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Q: How do I find experienced legal counseling in Arizona?2017-05-03T00:32:27+00:00

A: In searching for someone to help you with your bankruptcy filing in Arizona, be it Phoenix, Tucson or another part of the state, you should consider a bankruptcy lawyer that is both experienced as well as efficient at completing the necessary bankruptcy paperwork. A knowledgeable bankruptcy attorney knows the questions to ask and different ways to solve the many problems that can arise through filing for bankruptcy.

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Q: How do I file for bankruptcy?2017-05-03T00:31:51+00:00

A: To begin, a simple interview with a professional and courteous bankruptcy attorney at any of our locations throughout Arizona will enable our bankruptcy specialist to determine if filing for bankruptcy in Arizona is right for your particular circumstance. Follow these basic steps to filing for bankruptcy in Phoenix, Tucson, Flagstaff, Mesa, and Chandler or wherever you reside throughout Arizona.

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Filing Bankruptcy Will Eliminate Your Debts.

  • Medical Bills
  • Unsecured Loans
  • Credit Card Bills
  • Pay Day Loans
  • Liens
  • Personal Loans
  • Judgments
  • Some Student Loans
  • Some Federal and State Taxes
  • Back Rent and Broken Leases
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Assets You Can Keep When Filing Bankruptcy in Arizona

  • Keep Your Home
  • Life Insurance Policies
  • Keep Your Vehicles
  • Pension
  • Household Goods
  • 401 K and Retirement Accounts
  • Annuities
  • Child Support and Alimony
  • Some Student Loans

Filing Bankruptcy Will Help You From With Following

  • Stop Wage Garnishments
  • Stop Home Foreclosures
  • End Creditor Calls
  • Evictions and Lease Terminations
  • Civil Law Suits
  • Stop Creditor Harassment
  • Repossessions
  • Some Student Loans
  • Some Federal and State Taxes
  • Back Rent and Broken Leases

Why Choose Our Arizona Bankruptcy Law Firm?

Arizona Bankruptcy Lawyer

Debt Relief LawyerThe Mesa, Arizona Bankruptcy Law Firm of The My AZ Lawyers will provide you with the bankruptcy answers.  Our Arizona Bankruptcy Attorneys have helped hundreds of individuals get a fresh start through filing Chapter 7 or Chapter 13 bankruptcy in Arizona. Experienced, dedicated, and professional, our Mesa, Phoenix, and Tucson, AZ bankruptcy lawyers provide personalized and compassionate bankruptcy planning and filing services for individuals, families,and businesses experiencing extreme financial difficulty.  Therefore, our team of Arizona bankruptcy lawyers understand the sensitive nature of filing for Chapter 7 or Chapter 13 bankruptcy.

Furthermore, our experienced Arizona bankruptcy attorneys are committed to protecting your interests and maintaining the discretion you deserve while going through the process of declaring bankruptcy in Arizona. Many of our clients are simply individuals or families looking to get a fresh start. Some of our other Arizona bankruptcy clients are business owners searching for attorneys sophisticated and experienced enough to handle more complex bankruptcy filings.

Let our Tucson, Phoenix, and Mesa, AZ bankruptcy lawyers answer your bankruptcy questions and guide you through the process of filing bankruptcy in Arizona.  In addition to being very knowledgeable on the bankruptcy laws of Arizona, we are very affordable.  Let our chapter bankruptcy lawyers provide you with sound bankruptcy answers.

The Truth About Filing Bankruptcy in Arizona

If you are like most people in financial distress, you are probably experiencing a great deal of emotional trauma and feelings you may have never felt before. Seeking bankruptcy answers from a Mesa, Tucson, or Phoenix bankruptcy lawyer can help ease the burden of insurmountable debt.

Additionally, our experienced bankruptcy lawyers will help you remove the annoying ring in your ear from creditor phone calls, and give you peace of mind and hope for a financially secure future. Our bankruptcy attorneys understand that it may be difficult to openly seek help from an Arizona bankruptcy attorney during difficult times. This is why we handle each bankruptcy case with complete confidentiality and sensitivity.

We also offer FREE Bankruptcy Consultation By Phone. You can get your bankruptcy answers over the phone from one of our dedicated Arizona bankruptcy lawyers.  We can help you formulate a plan to get you back on track. The truth is that filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Arizona should not be viewed as a tragic ending but should be a new beginning. At the Arizona bankruptcy law offices of The My AZ Lawyers, our experienced bankruptcy lawyers have been helping clients get a fresh start without the burden of excessive debt holding them back. We offer comprehensive debt relief solutions designed to accommodate the unique circumstances of your situation.

What Does It Cost To File Bankruptcy in Arizona?

There are many Arizona bankruptcy attorneys that charge high filing fees for bankruptcy. We understand that facing bankruptcy is hard and the last thing you need is another expense. The Arizona Bankruptcy Attorneys of The My AZ Lawyers offer low cost bankruptcy filing fees and bankruptcy answers to your questions.

Our experienced Tucson, Mesa, and Phoenix, bankruptcy lawyers will work with you on an affordable payment plan that meets both your budget and your financial needs. If you have financial problems, you do not need another bill you can’t afford. Our Phoenix, Tucson, and Mesa bankruptcy attorneys strive to keep our fees competitive.

We have flexible appointment hours. We accept all major credit cards, and have payment plans available. Your Arizona bankruptcy fees can vary depending on what bankruptcy you are eligible to file and what services you hire our bankruptcy lawyers to do for you.  Call us with all of your bankruptcy questions.

Call My AZ LawyersContact our Arizona bankruptcy lawyers and set up an appointment today. We determine our bankruptcy legal fees on a case by case basis. Our Arizona bankruptcy attorneys evaluate each bankruptcy case by administering a FREE Debt Evaluation for each of our clients.

Our Arizona bankruptcy lawyers provide solid bankruptcy answers and work with our each of our clients to establish an affordable solution to their financial problems. Please call our Arizona Bankruptcy Law Office now to schedule a FREE, no obligation, consultation with one of our knowledgeable bankruptcy lawyers in Mesa, Tucson, and Phoenix, Arizona.

Arizona Bankruptcy Means Test

Due to recent changes in the bankruptcy law, it is more important than ever that you obtain representation from an experienced Arizona bankruptcy attorney. Everyone who files for bankruptcy in Mesa, Phoenix, and Tucson, Arizona must first pass a “Means Test”, which is a formula that determines what type of bankruptcy that you are eligible to file.

The bankruptcy Means Test will determine the specific chapter in bankruptcy a debtor qualifies, whether it is to file a Chapter 7 Bankruptcy case or a Chapter 13 Bankruptcy case. The final determination of Chapter 7 eligibility is determined by the results of the Means Test.  Specifically, we will work to ensure that our clients receive every consideration available under the law in determining a proper assessment of the Means Test Calculations. Contact one of our Phoenix, Tucson, or Mesa, Arizona bankruptcy lawyers and we will assure a properly filed bankruptcy and excellent legal representation.

unpaid billsMost noteworthy, the bankruptcy means test determines whether your income is low enough to file Chapter 7 bankruptcy. Much as the means test was designed to make sure that filers with higher incomes are not able to file for Chapter 7 bankruptcy in Arizona.

Therefore, debtors living in Maricopa, Pima, and Pinal counties, after determining their average gross monthly income for the six (6) month sprior to filing their bankruptcy case, will meet with a qualified bankruptcy lawyer to determine if they are eligible to file for Chapter 7 bankruptcy protection. If an individual has a median income that is greater than the applicable median income, the debtor then will not qualify for a Chapter 7 Bankruptcy case in Arizona and will then be required to file a Chapter 13 Bankruptcy case provided that debtor otherwise be eligible for bankruptcy relief.

Convenient Arizona Bankruptcy Law Office Locations:

Our Arizona Bankruptcy Law Firm offers bankruptcy answers and convenient locations in Tucson, Mesa, and Phoenix, AZ. We offer FREE Chapter 7 and Chapter 13 Bankruptcy Consultations. Click on one of our Arizona Bankruptcy locations below for directions and information.


    Schedule Your
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    Schedule a free consultation by phone. 100% free, speak with a legal professional by phone about your bankruptcy case, what chapter of bankruptcy will work best, scheduling, financing and how filing can help you with relief from the burdens of debt.

    Best Way To Contact You To Confirm Your Appointment?

    Law Office

    1731 W. Baseline Rd., Suite #101
    Mesa, AZ 85202

    (480) 263-1699


    20325 N. 51st Ave. Ste #134
    Glendale, Arizona 85392

    (623) 640-4945


    668 North 44th Street, Suite #300
    Phoenix, AZ 85008

    (480) 833-8000

    Lawyer For
    Chapter 7 & 13

    2 East Congress St. Ste. 900
    Tucson, AZ 85701

    (520) 306-8729

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