Mesa Bankruptcy Lawyers attorney Candace Kallen will help you with debt relief when student loans, mortgage payments, unexpected medical bills and credit card debt become too much. Most importantly, Ms. Kallen understands how difficult coping with debt can be. Ms. Kallen will evaluate your debt, listen to your needs and financial goals, and give you options for debt relief. A member of an experienced, professional, and dedicated team of debt relief experts, Candace Kallen will listen to your needs and help you get out of debt.
Our Mesa Bankruptcy Lawyers can assist you with filing for chapter 7 bankruptcy, chapter 13 bankruptcy, or another needed form of debt relief. Our attorneys can also assist you with stopping a wage garnishment, saving your home from a foreclosure, or getting you out of a vehicle repossession.
✓Mesa Bankruptcy Lawyers will help you rebuild your credit.
✓Filing Chapter 7 or Chapter 13 will allow you to stop bad financial habits.
✓Our bankruptcy law office can give you the ability to pay your current bills on time.
✓Live your life without worry after declaring bankruptcy.
✓Bankruptcy filing gives you legal protection from creditors and debt collectors.
Mesa Bankruptcy Lawyers | My AZ Lawyers
Our Mesa bankruptcy lawyers provide Mesa residents the personal legal representation and help to protect assets, stop creditor harassment, a find a fresh financial beginning.
Do I have to produce my tax returns before and after I file bankruptcy in Mesa?
Yes. Your tax returns must be provided before and after your bankruptcy filing.
You must provide copies of any federal tax return that you filed for the year prior to filing if it is requested by the bankruptcy trustee or a creditor. Failure to comply with this request may lead the court to dismiss your case.
When you file taxes during your bankruptcy, you must provide the bankruptcy court with a copy of the returns as well.
It may be requested that your case be dismissed if you fail to file all required tax returns.
FREQUENTLY ASKED QUESTIONS ABOUT DEBT RELIEF IN MESA
Many of our clients have questions and concerns about filing for bankruptcy and their options for debt relief in Arizona. The goal of our law firm is to provide affordable and expert legal representation for Arizona.
Check out the other FAQs and answers or call our office to schedule aFREE CONSULTATIONand speak with an attorney. It is important that you understand the debt relief process, and that you get the best advice and answers for your specific debt circumstances.
What is Bankruptcy? What do I need to know about the process?
Bankruptcy is a process of the Federal Court. Bankruptcy is the process by which a person or business legally declares it’s lack of ability to pay it’s bills and creditors. Bankruptcy allows individuals to keep their homes, cars, businesses, bank accounts, or other assets as long as certain requirements are met. There are three main chapter of bankruptcy: chapter 7, chapter 11, and chapter 13. Chapter 7 is the most used form of bankruptcy in Mesa, Arizona.Bankruptcy in Mesa allows businesses to reorganize under court supervision to in order to keep operating while reducing debt significantly. The 3 main chapters of bankruptcy are 7, 11 and 13.
The most immediate benefit of filing Chapter 7 Bankruptcy is that you can provide your creditors with your attorney’s information once you retain, and they are no longer allowed to contact you about your debts. If they continue to contact you, you should report any further harassment to your attorney so your attorney can seek sanctions against them.
After your bankruptcy is filed, you may see little or no change in your credit score. We provide our clients with a copy of their credit report with a projected credit score one year after filing. Most of our clients see a significant increase. You will likely receive offers for new lines of credit, and have an easier time financing a new vehicle.
A Chapter 7 bankruptcy simply discharges your debt, while you must complete a 3-5 year repayment plan in a Chapter 13. While this may sound unfavorable, many filers are seeking to catch up on payments on their home or a beloved vehicle. A Chapter 13 allows them to spread out the arrearages over those 3-5 years.
There are time restrictions on a Chapter 7 that aren’t present in a Chapter 13 bankruptcy. If you have already filed a Chapter 7 bankruptcy in the past, you will be ineligible to file again for 8 years and may only be left with the option of a Chapter 13. There are also income restrictions for a Chapter 7 bankruptcy. You must either make below the median income level for your family size in your state, or pass a means test. If you can’t prove that you qualify for a Chapter 7 bankruptcy through either of these methods, you will probably have to file a Chapter 13 instead.
A Chapter 7 Bankruptcy will remain on your credit for 10 years. Additionally, you will have to wait 2 years to qualify for an FHA Loan if you are buying a house.
A wage garnishment is a method of debt collection your creditors use to collect payment directly from your paychecks. If you have received a summons for any of your debts, you should be wary of an impending wage garnishment order.
Your creditors will be able to garnish your wages once they receive permission from the bankruptcy court to garnish your wages. The court will grant the request for a garnishment if the creditor has obtained a judgment against you.
There are limited options to fighting a wage garnishment. Thus, one is to pay the debt. Plus, you may be able to work out a payment plan or installment agreement with the creditor, or they may accept a reduced amount. Also, you can also petition the court to pay in installments.
If paying your wage garnishment debt isn’t feasible in any of these methods, you should consider bankruptcy. Plus, if you are being garnished for a debt that is discharged in your bankruptcy, the garnishment is stopped permanently. Otherwise, garnishment will cease until your case is discharged or dismissed
The Automatic Stay is a part of the bankruptcy filing process that prevents your creditors from collecting during an active bankruptcy. The Automatic Stay protects bankruptcy filers against not only wage garnishment, but home foreclosure and vehicle repossession. If you think you can benefit from the Automatic Stay in more than one way, you should consult an attorney to discuss your bankruptcy options.
A wage garnishment will negatively impact your credit. However, having your wages actively being garnished can make it more difficult for you to obtain a loan.
