Bankruptcy Attorney in Phoenix

Struggling with overwhelming debt in Phoenix? Bankruptcy may offer a financial reset. Our experienced bankruptcy attorneys provide **virtual legal services**, allowing you to complete the process remotely. Whether you need assistance with **Chapter 7 bankruptcy** to eliminate debt or **Chapter 13 bankruptcy** to restructure it, we offer expert legal guidance.

Understanding Your Bankruptcy Options

Bankruptcy can help individuals eliminate or restructure their debts. Understanding the difference between **Chapter 7** and **Chapter 13** bankruptcy is crucial when evaluating your financial options.

Chapter 7 Bankruptcy – Eliminates most unsecured debts, such as credit card balances and medical bills, giving you a fresh financial start.
Chapter 13 Bankruptcy – Allows individuals with regular income to develop a structured repayment plan, preventing foreclosure and repossession.

Benefits of Filing for Bankruptcy in Phoenix

Bankruptcy provides immediate legal protections and financial relief:

Stops creditor harassment and collection calls.
Prevents wage garnishments and bank levies.
Halts foreclosure proceedings, allowing homeowners to explore repayment options.
Discharges eligible unsecured debts, offering financial relief.
Gives individuals the opportunity to rebuild their credit over time.

Who Qualifies for Bankruptcy?

To file for **Chapter 7**, you must pass a **Means Test**, which compares your income to the Arizona state median. **Chapter 13** is available for those with regular income who want to repay debts under court supervision. Our attorneys assess eligibility and guide clients through the process.

How Our Virtual Bankruptcy Services Work

Our law firm offers a streamlined **virtual bankruptcy process**, allowing clients to receive professional legal assistance from the comfort of their homes. The process includes:

Initial consultation to discuss your financial situation.
Preparation and review of bankruptcy documents.
Electronic filing of your bankruptcy petition.
Legal representation throughout the process.

Frequently Asked Questions

Can I keep my house if I file for bankruptcy?

Yes, Arizona offers a **homestead exemption**, which protects a certain amount of home equity. **Chapter 13 bankruptcy** also helps homeowners avoid foreclosure.

How often can I file for bankruptcy?

You must wait **8 years** after a previous **Chapter 7** discharge or **2 years** after a **Chapter 13** discharge before filing again.

Will bankruptcy remove all of my debts?

Bankruptcy eliminates **most unsecured debts** like credit cards, but **student loans, child support, and some taxes** are typically not dischargeable.

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Schedule a Free Bankruptcy Consultation

If you are considering bankruptcy, speaking with an attorney can help you determine the best course of action. Contact us today for a **free consultation** and take the first step toward financial relief.

Schedule Your Free Consultation

Complete the form below to speak with an experienced bankruptcy attorney.

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