North Phoenix Bankruptcy Lawyers
Phoenix Bankruptcy Attorneys
If you are behind on payments and the calls have started, you have more options than you probably think. Our Phoenix bankruptcy attorneys help people across north Phoenix, Deer Valley, Desert Ridge and the north valley stop creditor harassment, halt wage garnishments and get a fresh start. Call 480-263-1699 for a free, no-obligation consultation and debt evaluation, and we will tell you honestly what filing would mean for you.
Chapter 7
Chapter 7 is the most common consumer filing. It discharges most unsecured debt — credit cards, medical bills, personal loans — and Arizona's exemptions let most filers keep their home, vehicle and household property. Whether you qualify depends on the means test, which weighs your household income against the state median. We run that test for you at no cost during your consultation.
Chapter 11
Chapter 11 reorganizes debt rather than wiping it out, and is used mainly by businesses that need to keep trading while they restructure. It also serves individuals whose debts sit above the Chapter 13 limits. It is the most document-intensive chapter to file, which is why it pays to speak to an attorney early rather than after a creditor forces the issue.
Chapter 13
Chapter 13 consolidates what you owe into a single court-approved repayment plan. It is usually the right route if you have fallen behind on a mortgage or car loan and want to catch up without losing the property, or if your income is too high to qualify for Chapter 7. Complete the plan and the remaining qualifying balance is discharged.
PHONE
HOURS
Monday – Friday:
9:00 am – 5:00 pm
ADDRESS
668 N. 44th St., Ste 300
Phoenix, AZ 85008
Why Choose Us
Bankruptcy is what we do. Our attorneys work Chapter 7 and Chapter 13 cases day in and day out, and that focus means fewer surprises and fewer mistakes on your petition. You deal with an attorney rather than a filing service, and once you are our client, creditors can be sent to us. We offer flat fees, payment plans, and evening and weekend appointments for people who cannot take time off work.
Free Bankruptcy Consultations
Your first consultation costs nothing and commits you to nothing. We will look at what you owe, what you earn and what you own, run the means test, and tell you plainly whether bankruptcy is your best option — or whether debt settlement, a short sale or consolidation would serve you better. Call 480-263-1699 or email us to arrange a time that works.
Affordable Bankruptcy Lawyers
Cost should not be the thing that keeps you in debt. We charge flat fees rather than hourly rates, so you know what your case costs before you commit, and we offer payment plans built around real budgets. Ask about our File Now, Pay Later option, which lets you begin the filing process before the full fee is paid.
Located InDowntown Phoenix
Our office is at 668 N. 44th St., Suite 300, an easy run down the 51 or the 17 from anywhere in north Phoenix, with on-site parking. We represent clients throughout the north valley, and the federal bankruptcy court that will hear your case sits in downtown Phoenix on North First Avenue. If the drive is inconvenient, ask about handling your case by phone — a large part of the process can be completed without coming in.
Filing Bankruptcy A Second Time?
You can file more than once, but timing decides everything. How long you have to wait depends on which chapter you filed last time and which you are filing now, and the clock runs from filing date to filing date — not from the date you were discharged. File too early and you lose the discharge, so it is worth confirming your dates before you start anything. Bring your previous case number or discharge paperwork to your consultation and we will tell you exactly when you become eligible.
Stop Wage Garnishments
A garnishment can take a serious share of every paycheck, and it can keep going until the debt is satisfied. Filing for bankruptcy triggers an automatic stay, which stops most garnishments as soon as the case is filed. If your wages are already being garnished, or you have had notice that they are about to be, call us straight away — in urgent cases we can prepare an emergency filing.
Filing For Bankruptcy For Free
Bankruptcy itself is not free, but the consultation genuinely is, and the cost is usually far more manageable than people expect. Our flat fee covers the credit counseling courses the law requires, your credit report, preparation of your petition, and representation from start to finish. The court's own filing fee is separate and set by the court. If paying up front is the obstacle, ask about File Now, Pay Later.
FREE BANKRUPTCY CONSULTATIONS IN OUR LOCAL OFFICE OR BY PHONE
File Now … Pay Later!
Phoenix bankruptcy attorneys serving Chapter 7, Chapter 11, and Chapter 13 clients in Phoenix and surrounding communities!
Please consult a bankruptcy attorney in Phoenix for advice about your individual situation. This site and its information is not legal advice, nor is it intended to be. Please contact us via email, phone calls, or letters and we will gladly speak with you. In doing so, this does not create an attorney-client relationship. Until we have established an attorney-client relationship, please do not send any confidential information to us. We look forward to assisting you.