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Biden Forgives More Student Loan Debt- Will This Curb The Growing Bankruptcy Rate

Biden Forgives More Student Loan Debt- Will This Curb The Growing Bankruptcy Rate?

On February 21, 2024, the White House issued an announcement that it would once again be forgiving student loans- this cancellation of $1.2 billion in debt will affect approximately 153,000 borrowers. This brings the total student debt forgiveness of the Biden-Harris administration to $138 billion for 3.9 million borrowers. This announcement comes in times when the cost of living is high and salaries have not been increasing at the same pace. This is demonstrated by the 18% increase in bankruptcy filings between 2022 and 2023. This latest round of student loan forgiveness will only impact borrowers who meet certain requirements. Will this latest round of loan forgiveness help slow down bankruptcy filings, which are expected to stay on the rise in 2024? How does bankruptcy affect someone who is struggling with student loan debt? Read on for the answers to these questions, and if you’re seeking a free consultation with an experienced Phoenix bankruptcy lawyer, call 480-448-9800.

A graduation cap rests on U.S. currency, symbolizing the financial burden of student loan debt

Eligibility Criteria For Biden’s New Student Loan Forgiveness Initiative

Not every student loan borrower will have their loans forgiven through this latest announcement. It will apply to borrowers in a SAVE, or Saving on a Valuable Education, repayment plan. It is meant for borrowers with $12,000 in less in student loans that have been in repayment as little as 10 years. This provision was originally meant to go into effect in July 2024, but has been introduced 6 months early. Because this round of student forgiveness is aimed at lower-value loans, it is meant to assist those seeking an education as a “pathway to the middle class.” Previous student loan forgiveness efforts by the Biden-Harris administration have capped interest rates and reduced monthly payments for student loan borrowers. If you believe you will be included in this round, keep an eye on your email for the notification of your student loan forgiveness.

Understanding The Relationship Between Bankruptcy & Student Loan Debt

Student loans are difficult to discharge with bankruptcy- otherwise, the bankruptcy rate would probably be much higher. However, bankruptcy can help a borrower struggling with a student loan wage garnishment to get back on their feet and clear other debts to free up income to pay off student loans.

When a person falls too far behind on loan payments, their creditor may eventually pursue them for payment with more dramatic measures. A wage garnishment is an automatic deduction from the debtor’s paycheck that goes straight to their creditor. Only one creditor can have a wage garnishment in place on a debtor at a time. If another creditor wishes to garnish the wages of a debtor whose wages are already being garnished, they can “wait in line” and their garnishment will begin after the first one ends. A creditor can add extra charges to the balance of a wage garnishment debt like interest and legal fees. Wage garnishments can become a huge and never-ending drain on a debtor’s income that will make it harder for them to get out of debt and even afford normal daily expenses.

Student loan wage garnishments are capped at 15% of the debtor’s income. While this amount is high, it isn’t as high as the maximum wage garnishments for other types of debts. The standard wage garnishment in Arizona is 25% unless the debtor can show that the garnishment is causing severe financial hardship, at which point it can be reduced to 15%. There are unique rules that apply to wage garnishments that come from unpaid child support. The maximum child support wage garnishment is 50% if the debtor has other dependents. This increases to 60% if the debtor has no other dependents. Either of these can be increased by 5%- so 55% or 65%- if the debtor is behind on child support payments by 12 weeks or more.

There aren’t many ways to stop a wage garnishment once it is in effect. That is why many people turn to bankruptcy. Filing for bankruptcy activates the automatic stay, which stops wage garnishments among a variety of other creditor collection methods. While bankruptcy won’t wipe away student loan debt, it can put a pause on monthly payments and a student loan wage garnishment. This can last as long as the automatic stay does, which is usually until a bankruptcy case is discharged or dismissed. A chapter 7 bankruptcy usually lasts about 3-5 months from filing to discharge. A chapter 13 bankruptcy lasts either 3 or 5 years. For more questions about which chapter of bankruptcy to use and how long your automatic stay will last, contact our firm for your free consultation at 480-448-9800.

While it is highly unlikely that filing for bankruptcy will discharge a student loan borrower’s educational debt, it can be used to clear other types of debts so that the borrower can more easily afford to pay off their student loans. For example, a person may file for chapter 7 bankruptcy and clear thousands of dollars’ worth of credit card debt. Without extra expenses like late fees and interest, the debtor may have a more reasonable path to paying off their student debt.

How The Biden-Harris Policy Shift May Affect Student Loan Discharge In Bankruptcy

Filing for bankruptcy to clear student debt used to be a rare exception to the rule that student loans aren’t cleared by bankruptcy. Courts applied the Brunner Test to a debtor’s situation to determine whether or not their student loans were eligible for a bankruptcy discharge. This test had three factors to determine the eligibility of student loan discharge:

  • Whether or not the debtor can maintain a minimal standard of living if required to repay the loan.
  • Whether it is likely that the debtor’s income will remain the same.
  • Whether the debtor made good faith efforts to repay the loan.

While these three factors may seem simple, in application it was rare that they could be used to clear educational debts in bankruptcy. However, one of the ways the Biden-Harris administration has fought our country’s student debt crisis is by making student loan debt easier to discharge in bankruptcy. With the Biden administration’s change in bankruptcy policy, a student loan borrower should now submit a financial attestation as part of their filing. This attestation will be reviewed to determine if the loan is causing undue hardship, rather than applying the Brunner Test. This change has been shown to be a relaxed standard, as 99% of applicants qualified for a full or partial discharge of their student debts with this new rule. If you have questions about whether or not your student loans are dischargeable in bankruptcy, call 480-448-9800 to schedule your free consultation with our firm.

How The Biden-Harris Policy Shift May Affect Student Loan Discharge In Bankruptcy

Our country’s bankruptcy rate has been increasing since pandemic measures were lifted, and student loans becoming easier to discharge may give you more incentive to file. On the other hand, Biden’s student loan forgiveness may eliminate the necessity of filing for bankruptcy to get a handle on student loan debt. To learn more about your options when it comes to filing for bankruptcy in Arizona, you can discuss your situation with an experienced professional with no risk or obligation. To schedule your free phone consultation call 480-448-9800 or contact us today at Gilbert Bankruptcy Lawyers.

Gilbert Bankruptcy Lawyers
Office: 480-448-9800
Email: info@myazlawyers.com
Website: https://gilbertbankruptcylawyers.com

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How Crippling Medical Debt Contributes to The Growing Bankruptcy Problem in Arizona

How Crippling Medical Debt Contributes to the Growing Bankruptcy Problem In Arizona

How Crippling Medical Debt Contributes to the Growing Bankruptcy Problem In Arizona

Why Medical Debt Can Cause People To Turn To a Bankruptcy Attorney For Debt Relief

Medical debt is one of the leading causes of bankruptcy. Statistics vary about the number of bankruptcy cases tied to medical debt, and concrete stats are hard to get since filing for bankruptcy does not require you to provide a narrative of what led to your debt problems. However, different studies have been done that have returned some big numbers. One study published in The American Journal of Medicine in 2007, with Sen. Elizabeth Warren as one of the researchers, found that 62.1 percent of personal bankruptcy filings were caused by medical debt.

Here’s why medical debt can cause many people to turn to a Gilbert bankruptcy attorney looking for debt relief:

Man Struggling With Debt Due To Medical Bills in Arizona

Serious Illness or Injury

Most people don’t take on crippling medical debt from a case of pneumonia or a broken leg. What usually causes this kind of medical debt is a major illness or injury. For example, someone who gets cancer will need to have ongoing, intensive medical treatment, such as chemotherapy or multiple surgeries. If you are in a serious accident, you might have multiple serious injuries that require ongoing medical treatment, surgeries, and rehabilitation.

These are the kinds of illnesses and injuries that incur ongoing, high medical costs. You have to see specialists and get intensive treatment, and that all adds up very quickly. Most people do not have the savings to cover these kinds of costs, and they end up losing it all.

Loss of Income

If you become seriously ill or are seriously injured in an accident, you aren’t going to be able to work. You can’t expect to go to chemotherapy and then head into the office. Some people have insurance to cover them from short- or long-term medical leave, but most people don’t. Even those who have the insurance are not always covered for the duration.

If you cannot bring in an income and you are looking at rising expenses, it won’t be long before you lose the means to pay for your basic needs, let alone your debts. It’s no wonder that many people in this situation end up seeking relief through Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Rising Healthcare Costs

Medical costs are already overwhelming for many people, but the situation is primed to only get worse. Medical costs are constantly rising, and many people are not able to keep up. Insurance is not always a solution because premiums are getting higher, as are deductibles and co-pays. Many people are also underinsured, meaning that they end up with huge medical costs even after their insurance pays out.

If there are a lot of people filing for bankruptcy because of medical expenses now, we can expect there to only be more in the coming years unless something changes. You can protect yourself by getting the best insurance policies you can, saving as much as you can, and being proactive about your health care.

If you do find yourself over your head in medical debt, like so many others, you should contact a bankruptcy attorney to learn how filing for bankruptcy may help you. Chapter 7 bankruptcy can completely discharge unsecured debt, like medical debt, helping you to wipe the financial slate clean. If you can’t qualify for Chapter 7 because you make too much money, you can file for Chapter 13 bankruptcy to get your debts reorganized under a repayment plan that you can actually afford. You may also choose Chapter 13 bankruptcy over Chapter 7 because you have other debts, such as a second mortgage that you took out in an attempt to pay some of your medical expenses. Chapter 13 bankruptcy can help you catch up on those payments and save your home. Talk to a bankruptcy attorney about the best strategy to maximize your debt relief through bankruptcy.

Contact Professional Gilbert Bankruptcy Lawyers

Call Gilbert Bankruptcy Lawyers to learn more about how bankruptcy can help you, whether you are struggling with medical bills or other overwhelming debt. Our experienced and compassionate bankruptcy attorneys represent clients seeking protection under Chapter 7 bankruptcy or Chapter 13 bankruptcy. We’ll review your finances and help you understand which option will give you the most debt relief while also helping you to meet other goals, such as keeping your home. Call us in Gilbert to schedule a consultation with a bankruptcy attorney and learn more.

 

Gilbert Bankruptcy Lawyers
Office: 480-448-9800
Email: info@myazlawyers.com
Website: https://gilbertbankruptcylawyers.com

Arizona Means Test

Arizona “Median Income” Test

Are you eligible to file a Chapter 7 Bankruptcy in Arizona?  Call 480-448-9800 and consult with and experienced Arizona Bankruptcy Law attorney at My AZ Lawyers regarding the means test, your eligibility, an explanation of the median income test, or to discuss how the firm may help you with debt relief. 

If your monthly household income is less than the Arizona median income for a household of your size, you are presumed to be eligible to file for Chapter 7 bankruptcy under Section 707(b)(2).

 Compare your household income over the past six calendar months to the state median.

Arizona Bankruptcy Information

Median Household Income Test for Arizona

Compare your household income to the Arizona median income.

For Cases Filed on or after April 1, 2015.

Form 22A-1 requires you to total up your income for the last six calendar months, average it, then annualize it, and then compare it to the Arizona median for your size household.

If your income is below this amount, you meet the requirements of the “means test” (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 bankruptcy.

The chart below makes it a bit simpler to figure out. Compare your six-month total income over the last six calendar months to the “6 Mo. Total” in the chart below to get a rough idea of which side of the line you fall.

Pay attention to the rules about household size.

If LESS <

Arizona Median Income Test
Form 22A-1 (Line 13)

> If MORE
You Pass!Chapter 7 is an option.Not legally required to completeForm 22A-2, but may want to anyway.*
HH Size Monthly Income 6 Mo. Total Annual Income
1 $3,705 $22,230 $44,459
2 $4,593 $27,558 $55,116
3 $4,906 $29,434 $58,867
4 $5,742 $34,450 $68,900
5 $6,417 $38,500 $77,000
6 $7,092 $42,550 $85,100
7 $7,767 $46,600 $93,200
8 $8,442 $50,650 $101,300
9 $9,117 $54,700 $109,400
10 $9,792 $58,750 $117,500
Keep Going!You must completeForm 22A-2 to determine if Chapter 7 is available.
Sources:
U.S. Trustee Program, Department of Justice,
11 U.S.C. Sec. 707(b)(7) exclusion.
Official Form 22A-1, Line 13
OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Business Bankruptcy: Chapter 7,13, or 11?

There is a difference between Chapter 7, Chapter 13, and Chapter 11 Arizona bankruptcies. Which one is the best fit for your business and debt relief?  The attorneys at My AZ Lawyers will listen to the particulars of your financial matters and recommend the best means to provide your business with debt relief.

What Chapter of Bankruptcy is the best choice for my Business?

Why an experienced lawyer in Arizona business bankruptcy is crucial here? There are three bankruptcies typically available to business owners, and each has its advantages and disadvantages.  Each business bankruptcy case is different and each business owner has his/her own debt relief needs, so consult with My AZ Lawyers in order to get the individual attention and professional treatment for your particular situation.

The Chapter 7  effect

Chapter 7, in some cases, will shut down the business and liquidate assets. In other cases, a business owner can file an Chapter 7 and keep their business. In a Chapter 7 bankruptcy, both personal debts and business debts are totally erased without having to repay money. A Chapter 7 is typically over quickly, it is reasonably inexpensive to file, it is a chance to wipe the slate clean and either start a business anew, or just move forward with your life without the burden of the debt.  You may start immediately to rebuild your credit after a filing, and Chapter 7 eliminates personal and business debts.  Not all business qualify for a Chapter 7, however, and only certain assets can be protected.

Call 480-448-9800 to speak with an expert Arizona business bankruptcy law attorney and discuss your bankruptcy options.

Which debt relief options are best for you personally and for your business? What are your options?  How should you proceed in order to best protect your rights and your assets?

THE CHAPTER 13 EFFECT

In a Chapter 13 bankruptcy case, both business and personal debts may be eliminated, but a portion of both are paid back typically through a 3-5 year repayment plan. A Chapter 13 allows business owners to file bankruptcy if they do not qualify for Chapter 7 bankruptcy protection, and you generally may keep most if not all of your assets (unlike Chapter 7).  It is more expensive to file for Chapter 13, and it is more complex than a Chapter 7, so you will be asked for more requirements, provide more information.  You would pay at least a portion of your debts back and only and until that period of repayment is over is the bankruptcy completed (usually this takes 3-5 years). A person who files Chapter 13 is under the strict guidance of the bankruptcy court for the duration of the repayment plan period.

Is Chapter 7 or Chapter 13 the best option for debt relief for your business debt?  Call 480-448-9800 for advice from attorneys  experienced in arizona BUSINESS BANKRUPTCIES  – MY AZ LAWYERS, PLLC

THE CHAPTER 11 EFFECT

In most cases, Chapter 11 allows business owners to reorganize so that the business can continue operating.  Also, most debts will be paid back, but at a renegotiated interest rate and balance. In opting for Chapter 11, business owners are not required to shut down business, and usually retain most business assets. This Chapter is the most complicated to file, and the most expensive.  The process does take a long time to totally complete, often 20 years or more. A business owner will be liable for most of the debt, and end up paying most of the business debt back. A chapter 11 will not eliminate any personal debts.

 

 

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Business Bankruptcy

Bankruptcy is an option if your business is struggling because of debt. As a business bankruptcy may be a complicated matter, we recommend consulting the experienced Arizona Bankruptcy Law attorneys at My AZ Lawyers.  An attorney at My AZ Lawyers will evaluate your debt and give you some direction as to what decisions you should make in order to meet your business financial goals.  Many business owners assume that they need to file a bankruptcy specifically for the business.  A personal bankruptcy (either Chapter 7 or 13), however, may be a better solution by eliminating any personal liability you may have for business debts and getting a clean financial slate. After the bankruptcy, you can move on with your life and begin business again without the burden of debt.

Call  480-488-9800 MY AZ LAWYERS to schedule an appointment -FREE CONSULTATION- to discuss your business financial matters with an attorney and find out if you are liable for your business debt:

You may not be liable personally for your business debts

  • if your business is an LLC
  • if you are a limited partner
  • if your business is a corporation

You will be personally liable for your business debts

  • if your business is an LLC, a corporation, or you are a limited partner and:
  • if you have cosigned on a debt
  • if you have business and personal liabilities that are intertwined
  • if you are a sole proprietor
  • if you personally guaranteed a debt
  • if you are a general partner in business partnership

Creditors can go after you and your assets if you are personally liable for the business debt.Some small business owners opt to file bankruptcy even when it doesn’t appear that they will be personally liable for business debts in order to protect themselves against potential claims by creditors against them. It is not uncommon for business owners to be liable for the business’ debts.  When your business fails to pay its bills and debts, it is time to connect with an attorney who can give your some options and help you wipe away the debt.

My AZ Lawyers law firm is experienced in dealing with businesses filing bankruptcy.  An attorney can explain the advantages and disadvantages of the bankruptcy chapter filings available to business owners.  They understand the law, the process, and the proceedings involved with Chapter 7, Chapter 13, and Chapter 11 bankruptcy.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Personal Bankruptcy

My AZ Lawyers represents Arizona personal bankruptcy clients

CONSIDERING BANKRUPTCY? 480-448-9800 MY AZ LAWYERS

Stress caused by overwhelming debt can leak into your personal life, affect your health, your overall well-being, your work life, and your family life.  Take advantage of My AZ Lawyer’s FREE CONSULTATION in order to ask some questions and get a new take on (and hope for) your financial issues.

FLEXIBLE SCHEDULING – PAYMENT OPTIONS – EXPERT REPRESENTATION 

Is it time to call MY AZ Lawyers and regain control over you debt?  If one or more of the following statements apply to your situation, call our Arizona Bankruptcy Law Firm:                         480-448-9800

  • if you are using one credit card to pay another credit card
  • if you are unable to make even the minimum payment on a / several credit card/s
  • If you are behind on your mortgage payments
  • if you are behind on your car payments
  • if your wages are being garnished
  • if you are facing home foreclosure
  • Is someone threatening to repossess your car
  • Has a creditor seized your bank account or tax refund
  • if all your efforts fail to make headway on your debts

Gilbert Bankruptcy Lawyer

My AZ Lawyers understand that financial disasters and misfortunes happen, and sometimes circumstances beyond our control make it difficult or impossible make monthly payments on time. When your debt seems hopeless, when every effort you make is not going to give you relief from your burdening debt, call My AZ Lawyers.  The attorneys at My AZ Lawyers are experts in personal bankruptcies, and they are experienced helping Arizona residents eliminate debt and end the days filled with worries.

Our bankruptcy attorneys offer payment plans and options to make our representation affordable. Call 480-448-9800 to schedule a FREE CONSULTATION and speak to our friendly staff about the “File Now, Pay Later” payment schedule.

We can help you take back control. We can help you get a handle on your financial issues by eliminating debt, putting an immediate stop to wage garnishments, creditor phone calls, and debt collection activity.

We can provide options –if bankruptcy is not the solution to your debt problems, our experienced staff will help you determine a plan that will best suit your financial situation.

OUR GILBERT BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED. THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.  GILBERT BANKRUPTCY LAWYERS.

“FILE NOW, PAY LATER” Pricing and Payment Options

Bankruptcy Made Easy and Affordable!

Fotor0422161134My AZ Lawyers offers unbeatable pricing for bankruptcy legal services. Our law firm makes it possible for residents of Gilbert, Arizona to receive top-notch legal representation at a reasonable cost. 

FILE NOW …. PAY LATER!  

Contact our law office for more details about “File now, pay later” payment option available to My AZ Lawyers’ clients.

Call or e-mail us for a FREE, no-hassle, no obligation, bankruptcy consultation and debt evaluation with an experienced bankruptcy lawyer. Talk to an attorney to explore your best option for debt relief, be it be it bankruptcy, debt settlement, short sale, or consolidation.

MY AZ LAWYERS = “AFFORDABLE LEGAL HELP FOR AZ”

  • Flat Fees
  • Low Fees
  • Payment Plans
  • Lowest Legal Fees
  • Weekend and Evening Appointments

Our Bankruptcy Package Includes:

  • FREE bankruptcy consultation and debt evaluation.
  • FREE take-home packet with information and resources
  • Professional preparation of your bankruptcy petition and documents
  • Experienced Attorney representation for your bankruptcy from start to finish
  • Knowledgeable and friendly staff and paralegals.
  • Complete confidentiality.

Our LOW, FLAT FEE Pricing Covers:

  • Credit counseling courses (required by law to file bankruptcy)
  • Credit report (we need to verify all creditors are listed and that your bankruptcy is complete)
  • Calls from Creditors (We’ll stop them from contacting you.)
  • Court-mandated filing fee of $335.00
  • Costs of the Bankruptcy petition preparation

SOME OF THE LOWEST LEGAL FEES IN ALL OF ARIZONA!!!CALL AND SCHEDULE AN APPOINTMENT TODAY!!!  480-448-9800

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Our Phoenix bankruptcy lawyers are located in Phoenix, Arizona, and serve bankruptcy clients in Scottsdale, Phoenix, Glendale, Tempe, Mesa, Chandler, Pleasant Valley, Avondale, Cashion, El Mirage, Peoria, Sun City, Sun City West, Tolleson, Youngtown, Gilbert, Queen Creek, Casa Grande, Surprise, Prescott, Marana, Tucson, Flagstaff as well as Pima, Pinal, and Maricopa County.
DISCLAIMER: The information you obtain at this Arizona Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Phoenix lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Arizona Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.  Thank you for visiting our Phoenix debt relief web site.

My AZ Lawyers Office Directions

MY AZ LAWYERS OFFICE LOCATIONS

Mesa Location:
1731 West Baseline Rd.,
Suite #101
Mesa, AZ 85202
Office: (480) 448-9800

Glendale Location:
20325 N 51st Avenue,
Suite #134, Building 5
Glendale, AZ 85308
Office: (602) 509-0955

Avondale Location:
12725 West Indian School Rd.,
Suite E, #101
Avondale, AZ 85392
Office: (623) 399-4222

Tucson Location:
2 East Congress St.,
Suite #900-6A
Tucson, AZ 85701
Office: (520) 441-1450

Our Phoenix bankruptcy lawyers are located in Phoenix, Arizona, and serve bankruptcy clients in Scottsdale, Phoenix, Glendale, Tempe, Mesa, Chandler, Pleasant Valley, Avondale, Cashion, El Mirage, Peoria, Sun City, Sun City West, Tolleson, Youngtown, Gilbert, Queen Creek, Casa Grande, Surprise, Prescott, Marana, Tucson, Flagstaff as well as Pima, Pinal, and Maricopa County.
DISCLAIMER: The information you obtain at this Arizona Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Phoenix lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Arizona Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.  Thank you for visiting our Phoenix debt relief web site.

Why Choose My AZ Lawyers ?

My AZ LAWYERS  – Excellent SERVICE and REPRESENTATION

You will receive a level of service that proves that our clients matter to our staff.  The attorneys at My AZ Lawyers are experts in their area of practice, and experience does matter when choosing a firm to represent you.  Our staff provides each case with attention to their specific needs.  Our firm will work with your schedule, and are available evenings and weekends.

MY AZ LAWYERS – EXPERIENCE AND KNOWLEDGE

It is our business to know the ins-and-outs of the bankruptcy process, policies and procedures.  Our Arizona Law Firm has represented clients successfully in both business and personal bankruptcy and debt relief services.  The attorneys work for you to achieve your financial goals with your best interests in mind.  Our firm has handled many cases and successfully helped clients resolve their debt and attain financial freedom.

MY AZ LAWYERS – UNBEATABLE PRICING

My AZ Lawyers offers “affordable legal help for AZ.”  Our firm offers affordable and flexible fees, payment options, and “File Now, Pay Later” plan.  My AZ Lawyer’s representation is superior, despite the fact we work with clients in order make payment arrangements and charge a fair price.

 CALL 480-448-9800 to schedule an appointment with an attorney at My AZ Lawyers today!

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Bankruptcy Myths

Bankruptcy Myth:  If you file for bankruptcy you will lose your home.

In most cases, the truth is you will be able to keep your home.  In a Chapter 7 bankruptcy, your home is a common exemption in the debt elimination proceedings.  In a Chapter 13, the reorganization will allow you to restructure the debt so that you are able to pay off your home and any back payments.   Discuss your concerns with an experienced bankruptcy attorney at My AZ Lawyers to get the entire truth and understand how filing for bankruptcy may help your financial situation.

Bankruptcy Myth:  If you file for bankruptcy, you will lose everything, including all your personal belongings.

The one thing you want to lose in a bankruptcy, is debt.  It can be eliminated and you can start with a clean slate.  Generally, you are allowed to keep most of your personal belongings including your vehicle and a portion on your bank account balance.  Call 480-448-9800 for a FREE CONSULTATION with an experienced Arizona bankruptcy law attorney for more information on the advantages and disadvantages of filing bankruptcy.

 Bankruptcy Myth:  If you file for bankruptcy, your credit will be ruined.

If you are buried in debt and missing payments right now, your credit is already probably not good.  And it will continue to get worse.  Filing for bankruptcy could be the start to improving your credit. Once you wipe away your debt, you can immediately start over and begin building your credit score.  My AZ Lawyers is with you throughout the entire bankruptcy process, and this includes working with clients after a discharge in order to improve credit immediately after the bankruptcy case is completed.

Bankruptcy Myth:  If you File for Bankruptcy, you’re a Loser

Not-lazy-hard-working-upstanding-law abiding-people file bankruptcy because they come down with a serious illness that wipes out their bank account and savings, and the medical bills are so high they could never be paid back.  Are these people who suffer a misfortune such as an unforeseen tragedy losers? Life isn’t perfect, things happen that are out of our control:  bankruptcy protection was designed to correct these incidents.  Don’t let anyone tell you that you are a deadbeat or a loser or a bad person because you use bankruptcy as an option to get your life back.  Instead of feeling guilt and not resolving the debt issues, find out the truth about bankruptcy and how it can help your matter.  There are many examples of successful people who have filed bankruptcy.

The reality is, we have to face reality.  And that is divorce, overspending, loos of a job, the economy, unforeseen tragedies, a bad business venture.  Bankruptcy helps those who need to pick themselves up and start over again, hopefully learning a life lesson.

By living in reality, not in the world ruled by myths we might understand why certain feelings and actions are associated with bankruptcy.  Speak with an attorney experienced in bankruptcy law and ask the questions that are on your mind.  Having knowledge about the bankruptcy process and regaining control back of your life is better than stressing over what someone might think about you if they knew you were considering filing Chapter 7. You have an opportunity to wipe the slate clean and start over again.  Don’t let a silly myth get in your way of achieving your financial goals.

 CALL 480-448-9800 TO SCHEDULE AN APPOINTMENT WITH AN ATTORNEY AT MY AZ LAWYERS TODAY!

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Stop Wage Garnishment

Your wages are being garnished by a creditor – take action immediately

Stop Wage Garnishment – My az lawyers 480-448-9800

Filing a petition for bankruptcy puts an immediate stop to wage garnishment.  My AZ Lawyers helps clients with all types of debts. When a creditor resorts to a court-ordered wage garnishment, My AZ Lawyers can help.  It is important to consult with an experienced Arizona Bankruptcy law attorney because even if you have debt that are not dischargeable by bankruptcy, an attorney can help you to seek other debt resolution programs in order to solve your financial issues. My AZ Lawyers will offer legal advice that can help you to make decisions on how to approach your debt.

If you are already missing or behind on payments, and living from paycheck to paycheck, losing a quarter of your paycheck sounds terrifying. Not only is wage garnishment bad for you, but it has a domino effect:  you really don’t have money for the car payment, mortgage, rent, credit card bills… and it is a tough cycle to break and transition out of and come out ahead.

You can stop a wage garnishment by filing for bankruptcy. As soon as it is filed, the bankruptcy court issues an order stopping ALL creditor collections against you, including the wage garnishment.

If you get notification that your wages will be garnished from your next paycheck, contact My AZ Lawyers and discuss your situation with an experienced Arizona Bankruptcy Law attorney. The attorneys will assist you and advise you on the proper and prompt action that you will need to take in order not to miss one single paycheck.

You need to act quickly upon notice of a wage garnishment.  My AZ Lawyers, then, will act quickly to help you file your case.  The attorneys at our firm are experts in the bankruptcy and wage garnishment laws in Arizona.

 CALL 480-448-9800 TO SCHEDULE AN APPOINTMENT WITH AN ATTORNEY AT MY AZ LAWYERS TODAY!

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

 

 

 

 

 

Meet Our Bankruptcy Attorneys

Feeling stress, anxiety, and hopelessness because of overwhelming debt? The attorneys at My AZ Lawyers are debt relief specialists.  There is hope, there is a way out of crushing debt. Connect with our experienced Arizona bankruptcy law attorneys. Our firm and attorneys are dedicated to helping our clients eliminate debt.  Call My AZ Lawyers to schedule a free consultation and free debt evaluation.  You can consult with the lawyers either by phone or in-office.

EVENING AND WEEKEND BANKRUPTCY CONSULTATIONS AVAILABLE  480-833-8000

Filing bankruptcy in Arizona may be exactly the means by which to provide debt relief when you need it most. Getting debt relief through filing for bankruptcy can be a complicated process. A My AZ Lawyer bankruptcy attorney can discuss this opportunity with you and offer options for your specific financial situation.

My AZ Lawyers debt relief specialist and arizona bankruptcy attorney MORGAN MCCAIN

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Contact Mr. McCain at 480-448-9800

Morgan McCain is an associate attorney with My AZ Lawyers, PLC. His practice areas include bankruptcy law, estate planning and probate law. He is admitted to practice law in all state and federal courts in Arizona.

Morgan is a “Zonie” and Valley Native having been born and raised in Mesa. After high school, Morgan began his college studies at LDS Business College in Salt Lake City, Utah; and after spending a few winters away from his native Arizona and its warm winters, he returned to the valley to complete his studies at Arizona State University. He graduated from ASU with bachelor degrees in Political Science and History.

After completing his studies at ASU, Morgan and his wife moved to Tulsa, Oklahoma where he attended law school at The University of Tulsa. During law school, Morgan completed a joint degree, also earning a master’s degree in History. He was an integral part in creating the Tulsa Law chapter of the J. Reuben Clark Law Society, and also served as a member of its Presidency for two years. Also while in law school, Morgan was a student clinician at the Boesche Legal Clinic, where he had the opportunity to work with and assist members of the Tulsa community in estate planning and probate matters.

It was during this time that Morgan realized he loved meeting with clients and helping them find solutions to their legal needs. Since law school Morgan has continued to hone his people skills and legal knowledge by working for a tribal government’s legal services department; as well as working for three different bankruptcy and consumer law firms in the valley prior to joining My AZ Lawyers.

Morgan has a beautiful wife who is an elementary school teacher with Mesa Public Schools, and is the proud father of three beautiful girls and one handsome boy. In his spare time, Morgan enjoys spending time with his family as well as reading and attending ASU football games.

Education:

LDS Business College (A.S., 1999)
Arizona State University (B.A., B.S. 2002)
The University of Tulsa (M.A., J.D., 2005)

Bar and Court Admissions:

Arizona Supreme Court – 2007
Federal District Court, Arizona – 2008

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Rob Curigliano, Associate Attorney, My AZ Lawyers

ROB CURIGLIANO, attorney at My AZ Lawyers, PLLC

Mr. Curigliano has nearly a decade of legal experience.  Beginning in 2005 he worked as a legal research assistant where he regularly consulted with practicing attorneys and instructed them on how to conduct proper and efficient legal research.  Thereafter, in 2007, Mr. Curigliano worked for the Court of Common Pleas as a Judicial Law Clerk.  During this period of time he had an opportunity to observe court proceedings on a daily basis, conduct legal research for the presiding Judge John A. Zottola, and drafted judicial opinions.  During his tenure there he worked extensively on Com v Bakth where he had an opportunity to instruct the Pennsylvania Attorney General’s office on their investigation techniques.

Upon graduation from law school, Mr. Curigliano opened his own law practice.  During this period of his career he handled all client matters from initial contact to final adjudication of their case in diverse areas such as Criminal Defense, Bankruptcy, and Domestic Relations Law.  After nearly two years of working on his own, the firm Griffith, MacCague, and Wallace hired Mr. Curigliano to run their utility law department.  It was during this period of time that Rob began his work in the Bankruptcy Court.  Working primarily as a creditor’s rights attorney, Mr.Curigliano had the opportunity to litigate numerous cases in front of the Bankruptcy Court of the Western District of Pennsylvania.  After a year of running this department, Mr. Curigliano missed running his own practice and decided to part with the Firm to resume his private practice.

In December of 2013 a chance encounter with a fellow Law School classmate provided a new and unique opportunity for Mr. Curigliano.  It was brought to his attention that there was a current opening at My AZ Lawyers in Phoenix Arizona.  In January of 2014 Mr. Curigliano flew into Phoenix Arizona in order to discuss possible employment with the firm.  Nearly immediately he felt at home at My AZ Lawyers and he began working in all areas of My AZ Lawyers practice areas.

EDUCATION

Duquesne University School of Law                                                                                                         

Juris Doctorate, May, 2008

Honors:  Cali. Award for Excellence – Judge Manning’s Trial Advocacy Course

Activities:  Environmental Law Society

Duquesne University

Bachelor of Arts: Political Science and English, April 2004

Activities:  Delta Chi Fraternity

Admissions:

Admitted the Arizona State Bar, Federal Court of Arizona, Pennsylvania State Bar and the Western District of Pennsylvania Federal Court

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE

 

Chapter 13 Bankruptcy

HOW A CHAPTER 13 BANKRUPTCY WORKS

 Payment and retention of a home usually is the top priority when filing and planning a Chapter 13 bankruptcy.  Sometimes referred to as a “home-saver” bankruptcy, a Chapter 13 allows you to combine your debts (secured and unsecured), devise a repayment plan, and repay some or all of your debt while protecting you from liquidation or creditor harassment.  In one monthly, reasonable payment you are able to pay on the debt. 

For individuals with regular income, Chapter 13 is a consolidation and repayment form of bankruptcy. Chapter 13 provides protection from your creditors and allows you to keep property and repay creditors via a manageable payment plan. Based on the amount of your debts, income and living expenses, an attorney at My AZ Lawyers will help you establish a repayment plan. The amount of repayment is set and paid to a Chapter 13 Trustee, who distributes the money to your creditors.  Chapter 13 is an affordable option for debt relief that retains property and repays creditors for those individuals who have regular income.  

take back control

Chapter 13 bankruptcy protection is available for individuals or and not businesses (unless the individual is a sole proprietor, this qualifying). Generally, an individual can retain all personal property in a Chapter 13 filing as long as the Bankruptcy Court approves the proposed repayment plan.   n order to protect your valuable assets and accustomed lifestyle, the sooner the case is filed, the better.  It is best to schedule an appointment with a MY AZ LAWYERS attorney to discuss the plan you need to submit.

my az lawyers offers affordable legal help for az

Chapter 13 bankruptcy – Consolidate your debts and protect your property

  • Stop harassing creditor phone calls
  •  Prevent your home from going into foreclosure
  •  Protect your car from repossession
  •  Stop wage garnishments
  • Stop bank account levies
  •  Prevent lawsuits.
  •  Possibly eliminate debt

CHAPTER 13 BANKRUPTCY  PROCESS

From filing to discharge, typically a Chapter 13 could last 32 to 60 months.  Your attorney at My AZ Lawyers will be better able to assess the length of the case based upon your personal situation and their past experiences filing Chapter 13.  In terms of the plan, there are factors that determine your time line: amount of payment, income guidelines, and disposable income all are taken into consideration.

In order to begin the process of filing for Chapter 13 bankruptcy,  contact My AZ Lawyers to assist you with the complicated rules and procedures involved in the filing.

  • Prepare the appropriate paperwork and fill out the needed forms.  (If married, spouse fills out forms as well).  Your attorney will instruct you as to which forms you need and how to correctly prepare them.
  • Meet with My AZ Lawyers to review your paperwork and assess your financial situation and determine if a Chapter 13 bankruptcy is in your best interest.  Your attorney will give you advice as to what your best options are for you in order to be debt-free.
  • Complete credit counseling course.  Before filing Chapter 13, you are required to complete a session on credit counseling.
  • Approximately a month after filing your case, you and your attorney meet with creditors at a hearing called the Meeting of Creditors.  A Chapter Trustee reviews your case at this hearing.
  • A bankruptcy Judge approves your payment plan at a Confirmation Hearing.
  • A second credit counseling course must be completed before receiving discharge papers.
  • An order of discharge from the Bankruptcy Court is issued upon completion of your repayment plan and all met requirements of Chapter 13 bankruptcy law.

CONTACT MY AZ LAWYERS TO SCHEDULE YOUR FREE CONSULTATION WITH AN EXPERIENCED BANKRUPTCY LAW ATTORNEY. 480-448-9800

One key benefit to the Chapter 13 filing, is that the unsecured debt is addressed interest free.  There is no outrageous interest rates on credit cards as you pay your debt.  Chapter 13 is a good option for some individuals who do not qualify for chapter 7 bankruptcy but still want to achieve a debt-free future.

 DEBTS NOT DISCHARGED IN CHAPTER 13

  •  Child or Spousal support
  • Criminal fines or penalties
  • Debts incurred through fraud
  • Student loans
  • Debt due to property settlement in a divorce
  • Some kinds of taxes including real estate and income tax (these may be addressed in the payment plan, just not eliminated)
  • Debt from property damage or personal injury done willfully or maliciously

 ADVANTAGES TO FILING CHAPTER 13 BANKRUPTCY

  • Prevents mortgage default
  • NO INTEREST on credit card and finance company debt
  • NO INTEREST on tax debt or penalties
  • Possible elimination of a second mortgage lien debt
  • Reduced interest rates on secured loans
  • My AZ Lawyers are experienced in filing Chapter 13 bankruptcies and can help you take advantage of this type of debt relief.

MY AZ LAWYERS OFFERS AFFORDABLE LEGAL REPRESENTATION FOR ARIZONA

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED.  THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE.

Chapter 7 Bankruptcy

CHAPTER 7 BANKRUPTCY

MY AZ LAWYERS ASSIST WITH EMERGENCY BANKRUPTCY FILINGS!

Because it provides debt relief for people who have excessive debt, Chapter 7 bankruptcy is referred to as a “fresh start” bankruptcy or “liquidation” bankruptcy.  Individuals from all professions and economic statuses find themselves owing an overwhelming amount of debt —Chapter 7 bankruptcy is a means to eliminate medical debt, credit card debt, judgements and/or lawsuits against you.  The fresh start to a life without debt starts here.

THE  CHAPTER 7 BANKRUPTCY PROCESS

Contact My AZ Lawyers 480-448-9800 for a FREE CONSULTATION with an attorney experienced in the legal process and proceedings of bankruptcy law.

Process Step 1:  Call My AZ Lawyers 

The first thing you should do if you are considering filing Chapter 7 bankruptcy, is to call the law office of My AZ Lawyers.  Why?  An experienced bankruptcy attorney can asses your financial situation and evaluate your debt.  Take advantage of a FREE CONSULTATION in which a lawyer can help you go over your income, expenses, and all debt in order to get a true picture of your financial situation.  By doing this, you can visit your options and make good decisions.  

Process Step 2: Determine your eligibility for a bankruptcy 

Determining if a Chapter 7 bankruptcy is right for you is something that needs to be discussed with an attorney. Meet with a lawyer at My AZ Lawyers, provide some financial information, then be advised as to what would be the next best step to take in order to get you your fresh start.  Some clients discover that they would better benefit by filing a Chapter 13 bankruptcy, or sometimes bankruptcy is not necessary, (debt settlement) as the bankruptcy attorneys at My AZ Lawyers know the ins-and-outs of the process. The bankruptcy code is complicated, and you are allowed “exemptions” which allow you to keep certain property in your bankruptcy. So you want an attorney to look at they property you own.

Process step 3:  choose the correct Chapter bankruptcy to file:  Chapter 7, 13, 11? 

Arizona has its own set of exemptions and dollar limits on what you allowed to keep. There are exemptions for housing and vehicle.  An attorney can analyze and determine how and if these will work in your favor. Our attorneys are experts at Arizona bankruptcy law and know all the exemptions.

Step 4:  Provide information and documentation to the staff at My AZ Lawyers  to get started on your petition filing, attend one (of two) credit counseling class

If you decide to  proceed with a bankruptcy, the law firm collects more information and you take an online credit counseling class (one hour) before then attorney can file your bankruptcy.  The bankruptcy court requires this to be done, but it is available to take 24/7.

 My AZ Lawyers offers payment plans:  low-fee guarantee, file now, pay later — our law firm wants to give superb legal representation to Arizona clients at an affordable rate.

You will need to provide paperwork to the office, and we will file with the bankruptcy court (typically a 2 week process). After reviewing the paperwork and signing that it is correct, it is filed, and you are assigned a case number. Many clients think once they come into the law office and retain an attorney, they will get filed the next day, but  it is a process that takes a few weeks.

If you have a need for an emergency filing, and cannot wait the 2-week period, contact My AZ Lawyers immediately if your filing is urgent.

Many clients think once they come into the law office and retain an attorney, they will get filed the next day, but  it is a process that takes a few weeks.

An Automatic Stay will go into effect once your bankruptcy car is filed.  This bankruptcy provision means that all creditor collection activity is required to stop.  This includes phone calls, letters, repossessions, and home foreclosures.  If any of your creditors wish to make any further communications, they would have to go through the attorney.

 Process Step 4:  My AZ Lawyers will file your bankruptcy, you will appear in court, then attend a second online class

Approximately 40 days after filing, you will attend a “first meeting of creditors” hearing at court. A bankruptcy trustee will review your petition and ask you questions.  Creditors are allowed to also attend this hearing. The hearings are informal and typically do not last long. Your lawyer from My AZ Lawyers will be at that hearing with you.  The hearing is a basic and simple process.  After attending the hearing, you must forego a 60 day waiting period.  This is just to give both creditors and bank trustees time if needed to follow-up on the hearing if they choose to do so.

During this 60 day time frame, you are then required to take a second online class  —- this needs to be completed in order to receive your discharge. There is a small fee and it takes a couple of hours.

Process step 5:  once all requirements are met, a discharge is granted 

Once you have completed all the requirements and waited the 60 days, you will receive a discharge:  an order form the court that eliminates all of your debt that can be eliminated legally.

In total, from the time your case is filed to getting your discharge papers, expect the process to take 3-4 months.

 IS CHAPTER 7 RIGHT FOR YOU

You should seek advice from My AZ Lawyers about your financial situation.  An attorney who has practice with bankruptcy cases will help you to understand both the law and your options.  Maybe Chapter 7 is not available to you.  Maybe a chapter 11 or 13 would offer more effective debt relief for your case.  Maybe your issues can be resolved by debt negotiation.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED. THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE

Frequently Asked Questions

Understanding Arizona Bankruptcy Better

The Law Office of My AZ Lawyers 480-488-9800

How Long does the bankruptcy process take?

Obviously no two bankruptcies are exactly the same.  Typically, a Chapter 7 bankruptcy can take about four months (from the time of filing to the final discharge.) A Chapter 13 bankruptcy can take 36 to 60 months to entirely complete.

what is an automatic stay?

When a bankruptcy is filed, an automatic stay is put into effect.  This means that ALL CREDITOR COLLECTION ACTIVITY MUST STOP.  Wage garnishments, bank levy, collection phone calls, foreclosures, reposessions…  under bankruptcy protection, the automatic stay requires creditors to immediately cease and desist all collection activities.

what property will be protected if i declare bankruptcy?

Arizona has exemption laws.  If you have lived in AZ for two years or more prior to filing your bankruptcy, you can typically protect your property under these laws.

what if i need to file bankruptcy, but i’m a business owner

The answer here is to contact My AZ Lawyers.  This is a perfect example of a case that needs the attention of a knowledgable and experienced AZ bankruptcy law attorney.  My AZ Lawyers will determine which type of bankruptcy is best for your situation. The lawyers will hear your issues and concerns and help you decide which options are best to meet your financial goals both personally and for your business.

what about my student loan debt? 

It should be noted that it is virtually impossible to discharge student loans in any type of bankruptcy.

Laws Regarding Tax Discharge

In some cases taxes that are overdue by more than 3 years may be dischargeable, while other types of taxes are generally not dischargeable under Chapter 7 or Chapter 13 bankruptcy.

Laws Regarding Child Support and Utility Bills

Simply stated child-support and spousal maintenance are in no way dischargeable under bankruptcy laws, however, utility bills are generally dischargeable.

Other points to consider with regard to filing for bankruptcy include knowing that your employer will generally not be notified unless he or she is owed money. In addition, all debts including credit card debt should always be listed when filing for bankruptcy. It is also important to note that in some cases a tax refund may become subject to a bankruptcy and included by a trustee. Those considering bankruptcy should know that every case is unique and that by enlisting the services of a skilled and qualified attorney such as Kathy Johnson you will be more likely to come out of your bankruptcy in a successful and positive way.

FREE CONSULTATION

Gilbert, Arizona Debt relief attorney

images (2)Despite your best efforts to be in control of your finances and debt, sometimes life hands us unexpected challenges.

TELL US ABOUT YOUR CASE AND YOUR CONCERNS ABOUT YOUR FINANCIAL ISSUES. 

FREE EVALUATION / CONSULTATION BY PHONE or IN-OFFICE

Take advantage of My AZ Lawyers FREE CONSULTATION.  Ask our staff what our experienced Arizona Bankruptcy and debt relief law firm can offer your specific financial needs.  We would like to experience exceptional representation at an affordable cost, so be sure to ask how we can help you retain our services on your budget.  We offer a “File Now, Pay Later” plan as well as other payment options.

Turn to My AZ Lawyers for advise and options for debt relief. Contact an experienced and trusted staff dedicated to helping your financial goals.

MY AZ LAWYERS – GILBERT, ARIZONA LAW OFFICE 480-833-8000

images (5)Initial consultations and case evaluations are free. To get the best desired outcome, you need to reach out to an attorney with expertise in Arizona bankruptcy law and experience in the Arizona bankruptcy court proceedings and process.  My AZ Lawyers will protect your rights and offer expert representation at an affordable price.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.
DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO CONTACT OUR ARIZONA BANKRUPTCY LAW FIRM AND WELCOME YOUR CALLS, LETTERS, AND ELECTRONIC MAIL. CONTACTING US DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP. PLEASE DO NOT SEND ANY CONFIDENTIAL INFORMATION TO US UNTIL SUCH TIME AS AN ATTORNEY-CLIENT RELATIONSHIP HAS BEEN ESTABLISHED. THANK YOU FOR VISITING OUR PHOENIX DEBT RELIEF WEB SITE