How to File For Bankruptcy in Arizonamichael2018-05-15T16:54:00+00:00
How Do I File for Bankruptcy? What Do I Need to do to File Bankruptcy in Tucson, Phoenix, Mesa, and Glendale, Arizona?
Answer: To begin, take part in a simple interview with a professional and courteous bankruptcy attorney at any of our bankruptcy law office 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 when filing for bankruptcy in Phoenix, Tucson, Flagstaff, Mesa, and Chandler or wherever you reside throughout Arizona.
Step #1: Know your financial situation and your debt relief options
Figure out if filing for bankruptcy in Phoenix, Tucson, Mesa and throughout Arizona is something that you should consider. Are you behind on payments, receiving harassing creditor calls, facing vehicle repossession, or having your wages garnished? Declaring bankruptcy in Arizona might be something that you should consider. Visit Arizona Bankruptcy Court, it is a useful tool.
Step #2: Learn more about the bankruptcy laws in Arizona
Become familiar with the Arizona bankruptcy laws and terminology. Learn the time frame and process behind filing Chapter 7 or Chapter 13 bankruptcy in Phoenix, Tucson and Mesa, Arizona. It will be helpful for you in the long run.
Step #3: Figure out how much you owe
Create an organized list of all of your secured and non-secured debtors. Refer to the Arizona Bankruptcy Court website as it explains the difference in the legal terms regarding your possible bankruptcy filing in Phoenix, Tucson, Mesa, Arizona. The web site will also provide you with the bankruptcy information necessary to help you determine which of your debts are secured and which debts are not secured.
Step #4: Know your liabilities
Make a list of all of your recurring monthly expenses, including: your house payment, vehicle payments, utilities, memberships, charitable contributions, insurance premiums (both car and life insurance), vehicle expense (auto fuel and repairs), medical expenses, and any other monthly recurring payment. Your liabilities will help out the bankruptcy petition preparer, be it a bankruptcy lawyer, debt relief specialist, bankruptcy attorney, or Arizona bankruptcy law firm.
Step #5: Take note of your assets
Note: An asset is something that you possess that is considered to have value. Before filing for bankruptcy in Arizona you’ll need to account for all of your real estate that you own (including the current house you live in), make a list including all of your vehicles, boats, motorcycles, campers, snowmobiles, ATVs, plus, any collections with value, computer equipment or anything asset.
Step #6: Know your tax debts
You will need to know what you have for tax liability both your federal and Arizona state tax. If you know your personal and business tax debt, your Arizona Bankruptcy Lawyer will be able to inform you of which of your tax debts will be able to be discharged through filing for Chapter 7 or Chapter 13 bankruptcy protection in Phoenix, Tucson, Mesa, Chandler and throughout Arizona.
Step #7: Figure out if filing chapter 7 bankruptcy or filing chapter 13 bankruptcy in Arizona is the right choice
Many Phoenix, Arizona bankruptcy lawyers offer a free initial consultation. Take advantage of the free consultation! Bring your financial information and questions with you and figure out if you should file for bankruptcy and determine if a Chapter 7 or Chapter 13 bankruptcy would be the better fit for you.
Step #8: Hire an experienced bankruptcy lawyer
When considering your Arizona Bankruptcy attorney in Tucson, Phoenix Mesa, Chandler, or wherever you may reside, look for someone that you are comfortable with. Consider finding a bankruptcy lawyer that offers: payment plans, outstanding customer service, convenient locations, years of experience, great customer service, and flexible appointment times. There are many capable and affordable bankruptcy lawyers in Arizona. Make sure your Arizona bankruptcy lawyer has your best interest in mind.
Step #9: Follow the advice of your Arizona bankruptcy attorney
Bankruptcy attorneys are the professionals and are there to help you file for bankruptcy in Arizona. They are experienced and know the bankruptcy laws in the state of Arizona, be it in Phoenix, Tucson, Flagstaff, Mesa, Chandler or whoever you may reside within the state of Arizona. Follow the advice of the bankruptcy attorney to best get your bankruptcy filed and begin rebuilding your credit as soon as your bankruptcy is over.
Note: If you file a Chapter 13 bankruptcy, make your bankruptcy trustee payments on time. Follow these easy steps and you will be on your way to a “fresh start”.