If you have too much debt, I will kill your bills.

If you have too much debt and are thinking about bankruptcy, call our office at 602.955-1985 or toll-free at 855-843-6274, or text the keyword "BK" to the number 84444.
Our Office


111 W Monroe St Suite 1211
Phoenix, AZ 85003

The building is one block South of Van Buren on the SW Corner of Monroe and First Avenue. Validated parking is in the public parking garage. The garage is on the West side of building, and you can enter from Second Avenue between Adams and Monroe.

Phone:602-955-1985
Toll Free:855-843-6274
Fax:602-324-7649

Chapter 7 Bankruptcy Attorney in Phoenix, Arizona


What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy can relieve you of the burden of insurmountable debt and give you a fresh financial start. Chapter 7 is referred to as a “straight bankruptcy” because it is designed for debtors who have few assets beyond those that are exempt from creditors in the state of Arizona.

Important Facts About Chapter 7 Bankruptcy

If you are considering filing for Chapter 7 bankruptcy in Arizona, consider consulting with an experienced bankruptcy attorney who can advise you based on the specifics of your case. There are a few key points to remember when deciding on a Chapter 7 bankruptcy filing:

  • Bankruptcy law requires you to qualify for Chapter 7 based on income and a means test. If you have the ability to pay a portion of your debt after meeting your basic needs, you may have to file for a Chapter 13 Bankruptcy.
  • Any non-exempt property may be liquidated by the bankruptcy trustee to pay creditors.
  • A successful Chapter 7 filing will discharge your debt meaning you will no longer have the obligation of payment to those creditors.
  • Chapter 7 is the most common bankruptcy filing and applies to several types of debt including credit cards and medical bills.

Arizona has an extensive list of property that is exempt from inclusion in your Chapter 7 filing. You will be able to keep many of the items you now own, in addition to the wages you earn or property you buy after the Chapter 7 filing.

Once your Chapter 7 petition is filed, creditors must cease collection activity (phone calls, letters, foreclosure or repossession) and communicate solely with your bankruptcy attorney.

Is a Chapter 7 Bankruptcy Filing Right For You?

The decision to file for bankruptcy is not an easy one. The consequences of a Chapter 7 filing are both positive and negative. You will not be able to access credit for quite some time after the filing, but you will also be free of debt once the process is complete. As with other types of bankruptcy filings, a Chapter 7 filing stays on your record for many years. However, if you are currently missing payments on your debt, or facing repossession and lawsuits, those circumstances are already tainting your credit report.

Contact An Arizona Bankruptcy Attorney For Chapter 7 Help

Bankruptcy law is complicated and there are many forms to prepare prior to filing. Errors in a filing can drag the process on unnecessarily for months. It’s important to understand any nuances in the law and how to avoid potential pitfalls.
 
If filing for Chapter 7 makes sense for your situation, you should consult with a qualified Arizona bankruptcy attorney. We can provide answers toall of your questions and counsel you on what to expect throughout the bankruptcy process. Let us help you resolve the financial issues you are facing and start with a clean slate.

Call our offices today for a free consultation at 602-955-1985 or toll free at 855-843-6274 and put yourself in the hands of knowledgeable bankruptcyattorneys who can put a stop to your debt issues.