Bankruptcy Attorney in Yuma

If you’re facing financial challenges in Yuma, bankruptcy may provide the relief you need. Our experienced attorneys offer **virtual bankruptcy services**, allowing you to complete the process remotely.

Understanding Your Bankruptcy Options

Bankruptcy is a legal solution that can help individuals eliminate or restructure debt. Knowing the difference between **Chapter 7** and **Chapter 13** bankruptcy can help you make an informed decision.

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.

Frequently Asked Questions

Will I lose my house if I file for bankruptcy?

**Chapter 7 bankruptcy** may require selling non-exempt property, but Arizona has **homestead exemptions** that protect your primary residence. **Chapter 13 bankruptcy** allows you to restructure payments and avoid foreclosure.

How will bankruptcy affect my credit score?

Bankruptcy will impact your credit, but for many individuals, their **credit score improves within months** because unmanageable debts are removed. Many clients qualify for new credit opportunities within 1-2 years.

Can I file for bankruptcy more than once?

Yes. However, there are **waiting periods** between filings. You must wait **8 years** between Chapter 7 filings and **2 years** between Chapter 13 cases. Other combinations have different requirements.

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