Mesa Chapter 7 Bankruptcy Attorney

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June 7, 2011

Filing for Chapter 7 Bankruptcy protection in Arizona is an easy and intelligent way to get a “Fresh Start” during the current woeful financial situation in Mesa, Phoenix, Tucson, and Casa Grande, Arizona. Who qualifies for Chapter 7 bankruptcy protection?  Individuals who reside, have a place of business, or own property in the United States may file for bankruptcy in a federal court under Chapter 7 (“straight bankruptcy”, or liquidation).

Chapter 7 bankruptcy, also known as “fresh start bankruptcy” or “straight bankruptcy”, offers an opportunity for an individual to wipe away most or all of their unsecured debt. According to the Arizona bankruptcy filing numbers, Chapter 7 bankruptcy is the most common type of bankruptcy.  Filing for Chapter 7 Bankruptcy in Arizona provides debt relief for hard-working people whose lives are being consumed by overwhelming debt.

Many people in Phoenix, Tucson, Mesa, Scottsdale, Tempe, and Chandler, Arizona are faced with the decision of having to declare bankruptcy.  From white-collar professionals to blue-collar laborers, people in all walks of life find themselves unable to keep up with mortgages, credit card, medical, or other debts. Many of these debts may be unexpected and could have occurred after experiencing job loss, unexpected illness, a family crisis (such as divorce), or other circumstances beyond their control.  Filing Chapter 7 bankruptcy can help a lot people in Arizona deal with the tough financial times.

Keep in mind that filing for Chapter 7 bankruptcy in Arizona stays on an individual’s credit report for 10 years from the date of filing the Chapter 7 petition. This contrasts from filing a Chapter 13 bankruptcy in Arizona, which stays on an individual’s credit report for 7 years from the date of filing the Chapter 13 petition. Filing for bankruptcy in Arizona more than likely will make credit less available and/or terms of receiving credit less favorable, although high debt can have the same effect.

Contact a Mesa Bankruptcy Attorney today to find out which chapter of bankruptcy might be the best option for your financial situation.  An experienced bankruptcy attorney can help navigate you through the sometimes difficult “Means Test” which helps to determine the Chapter of bankruptcy you qualify.  Most experienced and quality bankruptcy lawyers in Mesa, Phoenix, Tucson, and throughout Arizona offer Free Consultations.  Take advantage of this free advice and see if filing Chapter 7 bankruptcy is the right choice for you.

Arizona Chapter 7 bankruptcy is effective in eliminating many kinds of debt, including:

  • Credit card bills
  • Payday Loans
  • Title Loans
  • Medical debt
  • Lawsuits against you
  • Garnishments
  • Judgments against you
  • Pursuit of deficiencies after mortgage foreclosures or trustee sales

Find Out If Filing Chapter 7 Bankruptcy in Arizona Is Right for You

We invite you to discuss your situation with us, and we will help you understand your personal bankruptcy options. If Chapter 7 is not available to you because you exceed income or asset limits, maybe filing a Chapter 11 or a Chapter 13 bankruptcy may offer a more effective debt relief solution.  You have options!  Set up a FREE Consultation and find out how we can help you with your current financial situation.

Call (480) 263-1699 today.

 

If you would like more information about filing Chapter 7 in Arizona or how we might be able to help you out with your finances and debts.  Visit us on-line athttp://legalhelp-az.com.  We look forward to hearing from you.  Help with your financial situation is only a phone call away.

 

We are a debt relief agency. We help individuals file for bankruptcy relief under the Bankruptcy Code.

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