Phoenix, Arizona Affordable Bankruptcy Law Firm

Attorneys Representing Debtors in Phoenix, Scottsdale and Surrounding Areas

Although most people intend to pay their debts, unforeseen circumstances can arise that render people unable to meet their financial obligations. However, sometimes there is a chance at a “Fresh Start”  as a debtor may be able to seek relief via Chapter 7 or Chapter 13 bankruptcy. Therefore, if your financial liabilities exceed your assets and income, it may be the wise choice to speak with our Phoenix Bankruptcy Attorneys.
The Phoenix Debt relief lawyers at My Arizona Lawyers, PLLC have the skills and experience needed to assess your available options for seeking debt relief and to guide you through the process of filing for bankruptcy.  With thousands of successfully filed Arizona bankruptcies, we are one of Arizona’s leading bankruptcy filers.  Let our Team get you on the road to financial freedom.

Phoenix Bankruptcy Lawyer FAQS

ANSWER: 

If someone co-signs for your debts and you file bankruptcy, they will not be protected by your bankruptcy. Thus, the creditor can still seek collection against them. Therefore, if you co-signed for someone else, the creditor won’t repossess the asset and won’t be able to seek collection from you if the primary signer defaults.

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Phoenix 480-833-8000

ANSWER: 

Bankruptcies are a matter of public record, so if you file, it won’t exactly be a secret. However, only some interested parties will actually be notified of your bankruptcy. Therefore, your friends and family likely won’t know unless you tell them. However, interested parties include your spouse, cosigners, and your creditors. Also, your landlord doesn’t need to be notified unless you intend to break your lease.

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Phoenix 480-833-8000

ANSWER: 

Emergency bankruptcy filing allows you to file your petition in an expedited process so you can be protected by the Automatic Stay sooner. Although, the bankruptcy court will allow you to file an abbreviated version of your petition as long as you submit the rest of the petition within 2 weeks. This shorter version of your petition is also referred to as a “skeleton petition“.

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Phoenix 480-833-8000

ANSWER: 

If you are facing a wage or bank account garnishment, utility shutoff, home foreclosure, or vehicle repossession filing an emergency bankruptcy filing may be a good option for you. However, wage garnishments on current pay periods will be stopped once your petition is filed. However, this is because once you file a bankruptcy petition, an automatic stay of protection goes into effect. Thus, this stay prevents your creditors from pursuing collection using the methods listed above. Plus, the stay remains in effect until your case is discharged or dismissed.

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Phoenix 480-833-8000

ANSWER: 

1.       Consult with an attorney to see which chapters you qualify for and if there are any obstacles in your case.

2.       Sign any representation and fee agreements required by your attorney.

3.       Submit your documents and client information packet to your attorney.

4.       Take an online credit counseling course.

5.       Your attorney will file your skeleton petition for you.

6.       Complete your petition within the next 2 weeks.

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Phoenix 480-833-8000

ANSWER: 

Your current employer will not be notified about your bankruptcy unless your wages are being garnished. However, if that is the case, your employer already knows that you are struggling with debt. Therefore, to stop the garnishment, your payroll department will have to be provided with your case number. Otherwise, your current employer most likely won’t hear about your bankruptcy unless you inform them yourself. Potential employers may see your bankruptcy if they run a credit report as part of the hiring process.

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Phoenix 480-833-8000

ANSWER: 

For Chapter 7 Bankruptcy filers in Phoenix, the exemption limit for a motor vehicle in Arizona is $6,000. However, you should check with your Phoenix Bankruptcy Lawyer to estimate the true value of your car .  Also, confirm with your attorney that you will be using Arizona exemptions when filing for chapter 7 bankruptcy.

For Chapter 13 Bankruptcy filers, the exemption limit doesn’t apply. Therefore, if you are behind on your car payments and fear repossession, filing a Chapter 13 Bankruptcy in Phoenix will spread your arrearages, along with the rest of the balance on your loan, and some other debts, over your payment plan.  Also, your Chapter 13 payment plan lasts for 3-5 years.  Additionally, the opinion of our Phoenix Bankruptcy Attorneys is that you should seek the assistance of an experienced debt relief lawyer if you are considering filing Ch 13 in Maricopa County, Phoenix, Arizona.

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Phoenix 480-833-8000

ANSWER: 

You can keep your home in a Phoenix Chapter 7 bankruptcy if it is below your state’s  (Arizona’s) exemption amount. In Arizona, the homestead exemption is $150,000. Therefore, your home may be worth more than $150,000 as long as you don’t have more than that amount of equity in the home. Plus, if you are in a Phoenix Chapter 7 with more than $150,000 equity in your home, the bankruptcy trustee may order the sale of your home and contribute the excess amount to your bankruptcy creditors.

If you are behind on your mortgage payments and are worried about foreclosure, a Chapter 13 Bankruptcy may help you save your home. Whereas, this Chapter allows you to spread out the past-due balance of your mortgage over the life of your payment plan.  A Chapter 13 Bankruptcy payment plan lasts 3-5 years. While your case is active, your creditors can’t repossess or foreclose your property.  Therefore, a Ch 13 is a great Phoenix Debt Relief Option for people in Maricopa County who are looking to catch up on their mortgage and save their home from foreclosure.

My AZ lawyers logo CONTACT OUR PHOENIX BANKRUPTCY LAW FIRM

Phoenix 480-833-8000

ANSWER: 

Yes. All wage garnishments will be halted once your case is filed. Thus, you are protected by an automatic stay when you have an active bankruptcy. Also, Garnishments can only be stopped for pay periods that have not yet been completed.

Some debts can’t be discharged in a bankruptcy. Plus, if you are being garnished for one of these, such as child support, the garnishment will resume once your case is discharged or dismissed. Also, if your garnishment is a result of a dischargeable debt, such as credit cards, the garnishment will be permanently stopped once your case is discharged.

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Phoenix 480-833-8000

ANSWER: 

If you decide to keep a financed vehicle in your bankruptcy, making timely payments won’t rebuild your credit score. Also, your lender won’t be required to report positive payments after you have gone through a bankruptcy. Therefore, if you finance a new vehicle after your bankruptcy, however, that lender will be required to credit report. Thus, opening a new credit card and making payments on your balance will also help improve your score. So, if you aren’t able to obtain a new line of credit after your bankruptcy, you can open a secured credit card through your bank.

Our Phoenix Bankruptcy Law Office offers a $0 down payment plan option, meaning you can pay your Chapter 7 fees in affordable monthly payments.  Plus, you can pay it after your case is filed. Additionally, our program credit reports your payments.  Also, these reports for timely payments will help rebuild your credit.  Thus, this is one of the ways that our Phoenix Bankruptcy Lawyers assist our clients to achieve credit after declaring bankruptcy.  Lastly, while we aren’t the only law firm to offer $0 down bankruptcy, confirm with any attorney you speak to that your bankruptcy payments will be credit reported.

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Phoenix 480-833-8000

ANSWER: 

Zero Down Bankruptcy in Phoenix is a payment plan option our Phoenix attorneys provide.  Plus, $0 Down Filings allow you to pay for both your bankruptcy court filing fee, and your legal representation.  Also, this is all with fees paid after your bankruptcy petition is filed. Therefore, instead of paying your case in full; our Phoenix Debt Relief Firm allows you to get bankruptcy debt relief with no money down.

My AZ lawyers logo CONTACT OUR PHOENIX BANKRUPTCY LAW FIRM

Phoenix 480-833-8000

ANSWER: 

Our Phoenix bankruptcy team offers our $0 down bankruptcy program.  Also, it has affordable payment plans that allow you to file for bankruptcy in Phoenix and get a fresh start while making modest monthly payments.  
 
You get to decide what your payment plan looks like in a $0 Down Bankruptcy. Additionally, you will have one year after filing to pay off your balance at 0% interest. Thus, these payments can be done in weekly, bi-weekly, or monthly intervals. Plus, you can even choose which day of the month your payments are ran.  Lastly, the first payment being within 30 days of your filing date.
 
Additionally, your payments are positively reported to the credit agencies.  This reporting assist in re-building your credit.  Plus, these positive reports to the credit agencies gives you a positive start by repairing your credit in your Life After Bankruptcy.

My AZ lawyers logo CONTACT OUR PHOENIX BANKRUPTCY LAW FIRM

Phoenix 480-833-8000

ANSWER: 

Yes– You can qualify for an Arizona Zero Down Bankruptcy regardless of your credit score. As a matter of fact, your credit score is not used when determining your eligibility for our $0 down program. Thus, we don’t use credit to determine $0 down eligibility since many people considering bankruptcy don’t have the best credit. Also, Bankruptcy is a tool to help rebuild your credit.  Thus, bad credit shouldn’t be a barrier to filing for bankruptcy protection in Phoenix, Arizona.

My AZ lawyers logo CONTACT OUR PHOENIX BANKRUPTCY LAW FIRM

Phoenix 480-833-8000

ANSWER: 

YES! Both Chapter 7 Bankruptcy and Chapter 13 Bankruptcy filers in Phoenix will need to attend a 341 Meeting of Creditors.  Not to worry, our Phoenix Bankruptcy Lawyer will be right there with you at your hearing. 
A 341 Meeting is your creditors’ opportunity to show up and ask questions about your bankruptcy petition. Plus, the bankruptcy trustee will also ask you about your case.  Additionally, our Phoenix Bankruptcy attorney will go through what questions are usually asked at a 341 Meeting and give you more details about the hearing.  Lastly, our attorney will be with you every step of the way through the process of filing bankruptcy in Phoenix, Maricopa County, Arizona.

My AZ lawyers logo CONTACT OUR PHOENIX BANKRUPTCY LAW FIRM

Phoenix 480-833-8000

Bankruptcy Lawyers in Phoenix, Arizona

Phoenix Bankruptcy Lawyers | Phoenix Bankruptcy Attorneys

 

Our Bankruptcy lawyers in Phoenix are the best professionals to have on your side when facing foreclosure, wage garnishment, lawsuits or harassing creditors in Phoenix, Arizona.  Filing the paperwork for chapter 7 bankruptcy and chapter 13 bankruptcy can be confusing. The bankruptcy petitions take time to complete and filing for bankruptcy requires a bankruptcy filing fee. Not everyone in Phoenix is eligible. Find out if you qualify, get the advice of a Phoenix bankruptcy lawyer before proceeding. Filing for bankruptcy without the help of an experienced Phoenix bankruptcy lawyer is possible but is not recommended.

PHOENIX, ARIZONA

Even though Phoenix, Arizona is home to seven Fortune 500 companies, the economy has been hard hit by a decline in the Phoenix housing market. Since 1986, the city of Phoenix has been divided into “urban villages”, many of which are based upon historically significant neighborhoods and communities in Phoenix that have since been annexed. The recession and economy decline has left several individuals in each of these villages in need of debt relief. An experienced Phoenix bankruptcy attorney can help get their life back on track.

The 15 urban villages in the city of Phoenix are:

Ahwatukee Foothills,
Alhambra,
Camelback East,
Central City,
Deer Valley,
Desert View,
Encanto,
Estrella,
Laveen,
Maryvale,
North Gateway,
North Mountain, 
Paradise Valley,
South Mountain,
Rio Vista.

Many people in Phoenix, Arizona think bankruptcy is bad or not the right choice for them, however, they have little information on exactly how it works and the benefits of bankruptcy. Bankruptcy is one of several options that people facing serious financial difficulties should consider. If you are faced with rising credit card and other debts you can no longer afford to pay because of a sudden job loss or unexpected medical emergencies you may qualify for chapter 7 bankruptcy, chapter 13 bankruptcy, or some other form of debt relief in Phoenix, AZ. If your business cannot keep up payments to your suppliers but you don’t want to close down or lay off your employees, you should consider bankruptcy.

Why choose Phoenix bankruptcy attorneys infographic

Our Phoenix bankruptcy lawyers can help you with the following tasks:

  • Determining which debts are eligible for bankruptcy relief
  • Discovering what chapter of bankruptcy you qualify to file
  • Finding out which assets you can keep
  • Meeting Deadlines
  • Payment Reminders
  • Filling out bankruptcy paperwork and petitions
  • Talking to creditors

Bankruptcy protection in Phoenix, Arizona is designed to provide immediate relief to those whose debts are beyond their ability to pay. There are many Arizona and federal laws established to protect people like you from creditors and it is a legal means of effectively resolving debt problems and helping you turn your life around. Call our Phoenix bankruptcy law office today to learn more about chapter 13 bankruptcy, chapter 7 bankruptcy, and your options to finding a debt free future. Our firm is highly practiced in bankruptcy law and has already helped hundreds of families in Phoenix file for bankruptcy protection. Don’t delay in finding out more about the bankruptcy process with our free initial consultation. Bankruptcy is our business! We care about our clients and are here to help.

By retaining an affordable and experienced Phoenix, AZ Bankruptcy Attorney from The My AZ Lawyers, creditors will no longer be able to contact you and can turn to us for a response to their demands. By working carefully with you to develop a legal strategy you are comfortable with, our debt relief experts can begin to resolve your debt situation and get you back on firm financial footing.

Chapter 7 and Chapter 13 Bankruptcy in Phoenix 

Chapter 7 vs. Chapter 13 bankruptcy When considering filing for bankruptcy in Phoenix, you must first see if you qualify by taking the Arizona Means Test. An attorney at our firm can help you with this first step when assessing your financial situation in our FREE CASE EVALUATION.  Next, an attorney will help you determine which kind of bankruptcy suits your financial needs:  Chapter 7 Bankruptcy Protection or Chapter 13 Bankruptcy Protection. 

Chapter 7 will eliminate most of all of an person’s debt.  This type of bankruptcy is know as liquidation. Chapter 13 is a reorganization option. It allows a person to pay off most or all debt via a payment plan. This typically takes three to five years, and the plan is monitored by the federal bankruptcy court. There is no right solution for debt relief for everyone. If you are ready to begin the process of getting out of debt, contact our Phoenix Bankruptcy Law Firm.  An experience attorney will discuss your needs, listen to your concerns, and get started immediately on a debt-relief plan for your specific case. 

 

 

Affordable Bankruptcy Lawyers in Arizona

Our Phoenix AZ Bankruptcy Lawyers can help you:

 

Lowest Cost Bankruptcy Filing In Arizona
Financing Options, File Now, Pay Later
Free Same Day Consultations By Phone or Email
Fastest Bankruptcies Allowable By Law
Relieve Debt, Stop Wage Garnishment & More
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    Mesa 480-470-0005
    Phoenix 480-833-8000
    Glendale 623-640-4945
    Tucson 520-306-8729
    Avondale 623 499-4222

    Our experienced Phoenix bankruptcy lawyers provide the highest quality debt relief representation to all of our Phoenix clients, individual, family, or businesses. Only a larger bankruptcy law firm such as My AZ Lawyers can accommodate and serve Phoenix with expert legal representation, but we also provide each debt relief case with the personal service, attention and responsiveness it deserves. 

    The legal team at My AZ Lawyers understands that Phoenix residents require the assistance and time from their bankruptcy attorney. Dedicated to the successful representation our our Phoenix clients, our Phoenix debt relief firm uses communication and personal contact in order to give each client an opportunity to address all concerns and questions that may have about their bankruptcy. 

    My AZ Lawyers offers a FREE one hour consultation with Phoenix bankruptcy attorney.  Our lawyers offer flat fees for bankruptcy service. Ask our staff about our payment plans and financing options – we are able to provide affordable, excellent legal representation to residents in Phoenix, Arizona.Plus, we have a $0 Down bankruptcy option available to residents in Phoenix, Maricopa County, Arizona.

     

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    Bankruptcy Lawyers in PHOENIX

    Schedule a FREE bankruptcy consultation and FREE debt evaluation with one of our experienced Phoenix bankruptcy attorneys. Our skilled Phoenix bankruptcy lawyers help clients with every aspect of declaring bankruptcy such as:

    • ✓ Filing bankruptcy
    • ✓ Chapter 7 bankruptcy
    • ✓ Chapter 13 bankruptcy
    • ✓ Debt relief
    • ✓ Bankruptcy Assistance

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    Phoenix, Arizona

    Downtown, Phoenix, Arizona

    My AZ Lawyers can help residents of Phoenix, Arizona get control over debt. Call our office for a FREE DEBT EVALUATION AND CASE CONSULTATION with an experienced Phoenix Bankruptcy Law Attorney.

    The Bankruptcy Filing Process in Phoenix

    Are you considering bankruptcy or finding out more from an attorney regarding your financial situation? 

    1. Free Consultation and Debt Evaluation 

    Contact My AZ Lawyers’ Phoenix Bankruptcy Law Office immediately to see if you qualify for bankruptcy. Our attorneys will help you with an Arizona Means Test and a debt evaluation in order to get a clear starting point. Next, we will provide you with information so that you understand the Arizona Bankruptcy Code, and we will give you options and advice on how to proceed.  An experienced Phoenix Bankruptcy Attorney will help you to determine what Chapter Bankruptcy you file under. Our professional legal team will be with you every step of the way through the process, starting with your first appointment for a free consultation. 
     

    2. File Bankruptcy

     After the attorney and staff acquire the appropriate information, we will file bankruptcy protection on your behalf for a low flat rate fee. After the bankruptcy petition is filed, we are still here to help you with any concerns or questions you have about your case. 

    3. Pay Later

     File now and pay later. We have helped many clients in Phoenix who acted quickly to get a handle on their debt. We understand that sometimes you need the bankruptcy filed immediately, and we can work with you on the payment schedule. We are an affordable high quality bankruptcy law firm with free bankruptcy consultation and debt evaluations.

     

    The My AZ Lawyers, our Phoenix, Arizona based bankruptcy law firm believes in affordable, stress-free bankruptcy representation. Our Mesa bankruptcy lawyers, attorneys, and staff pledge to give each client compassionate, aggressive, non-judgmental representation while filing for chapter 13 bankruptcy or chapter 7 bankruptcy in Arizona. Our debt relief specialists work with our clients to better educate them on their case to ensure they know we are right there with them. Our attorneys will guide you every step of the way while filing chapter 13 or chapter 7 bankruptcy.  Our law office will help prepare our clients for ‘Life After Bankruptcy’.

    We are a full service bankruptcy firm.  Our bankruptcy attorneys obtain your credit reports to assist you in locating your creditors.

    You Can Count on Us

    You can count on us every step of the way as our experienced Avondale, Glendale, Mesa, Phoenix and Tucson legal professionals and staff will walk you step-by-step through the bankruptcy process. We will help you complete all of the complicated bankruptcy forms. Our AZ law firm will do our best to make an otherwise difficult situation as smooth as possible. Are you looking to get your bankruptcy filed for cheap? Our Phoenix bankruptcy law offices can assist you in cheaply filing your AZ bankruptcy either in one of our area bankruptcy law offices or through our Bankruptcy by Phone option. Therefore, at your free consultation with one of our Phonix bankruptcy lawyers we will work with you to decide which form of debt relief in Phoenix may be the most beneficial for your particular situation.

    Mesa 480-470-0005
    Phoenix 480-833-8000
    Glendale 623-640-4945
    Tucson 520-306-8729
    Avondale 623 499-4222
    Arizona Bankruptcy Attorneys

    Low Cost Glendale Bankruptcy Lawyers

    Affordable debt relief in Glendale, Arizona is only a phone call away.  Therefore, are you struggling to make ends meet in Glendale or Avondale, Arizona?  Plus, do calls from creditors seem to be never-ending?  Or, are you scared to get your mail because of all the demanding and late bills?  Whereas, if your financial situation seems hopeless, contact our dedicated Glendale bankruptcy attorneys today and find out how easy it is to get on the road to a “Fresh Start.”

     

    Glendale, Arizona debt relief experts offer free consultations.  Therefore, call us today and find out what types of debt relief are available to you and your family.  Plus, let our low priced bankruptcy lawyers in Glendale explain the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy.  Additionally, our Glendale and Avondale bankruptcy offices offer some of the lowest legal fees on all of our bankruptcy filings.  Compare our rates, we know our bankruptcy fees are the lowest!

    AFFORDABLE AVONDALE BANKRUPTCY ATTORNEY

    If you feel stressed and overwhelmed at the prospect of filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy, let our Avondale, Arizona bankruptcy office help you through the process of declaring bankruptcy in Arizona. Also, get the help of our Avondale law office today.  Plus, our Avondale bankruptcy lawyers have several options to offer clients who are in need of debt relief and considering declaring bankruptcy in Arizona. Therefore, if you are in need of a low cost bankruptcy lawyer contact the My AZ Lawyers today. 

    For your convenience, our Avondale, Tucson, Glendale, Mesa, and Phoenix law firm can start your bankruptcy over the telephone. Additionally, you complete nearly your entire bankruptcy from the comfort of your home. Therefore, get your NO OBLIGATION, Free consultation at your convenience from your home or office. 

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      Mesa
      Bankruptcy
      Law Office

      4065 E University Dr #500, Mesa
      AZ 85205

      (480) 470-0005

      Glendale
      Bankruptcy
      Attorney

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

      (623) 640-4945

      Phoenix
      Bankruptcy
      Service

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

      (480) 833-8000

      Tucson
      Lawyer For
      Chapter 7 & 13

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

      (520) 306-8729