Arizona Bankruptcy Lawyers

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Arizona Bankruptcy Center specializes in bankruptcy related issues, providing extensive services to the clients facing bankruptcy under various sections, including chapters 7, 11 and 13. The firm also deals in foreclosure cases falling under chapter 7 and 13. Its other areas of practice include credit cards debt and bankruptcy, debt negotiation, creditor harassment and matters related to livelihood.

Areas of Law

Additional Areas of Law: Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Chapter 11 Bankruptcy; Stop Foreclosure; Stop Repossession; Stop Wage Garnishment; Stop Creditor Harassment; Discharge Credit Card Debts; Bankruptcy and Divorce; Debt Negotiation.

Areas of Law Description

Our bankruptcy services include:

- Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows an individual, family or small business to discharge credit card balances and other unsecured debts. In Chapter 7, the bankruptcy trustee may liquidate certain assets to repay creditors, but the loss of a home or car is rare, and we are usually able to help our clients keep the majority of their assets while eliminating debts.

- Chapter 13 Bankruptcy

Chapter 13 bankruptcy is also known as "repayment bankruptcy." This bankruptcy protection is useful for people who have enough disposable income to pay off a portion of their debts under a court-approved repayment plan. The debtor usually emerges from debt after three to five years.

- Chapter 11 Bankruptcy

In a slow economy, it can be difficult for businesses to keep up with their debts. Chapter 11 bankruptcy enables businesses to reorganize under the supervision of the bankruptcy court, remaining open in the meantime instead of having to liquidate their assets and close up shop.

- Stop Foreclosure

When foreclosure looms, you are not powerless. Many legal tools and options, including Chapter 7 bankruptcy, are available that can help you retain your home, significantly lessen your debt load and help you begin a fresh start while keeping your home.

- Stop Repossession

If you are unable to make your auto loan payments on schedule, you may be threatened with repossession of your car. You should take action immediately to prevent losing your vehicle through repossession. The Arizona Bankruptcy Center is committed to helping individuals and families protect their rights through bankruptcy. We know what it takes to stop car repossession in Arizona, understand the unique challenges you face and will take every necessary action to protect your rights.

- Stop Wage Garnishment

One of the greatest threats debt collectors make is that they will garnish your wages to repay your debts. The thought of losing your income to creditors and putting your family's well-being at risk can be stressful and overwhelming. If you have received threats of wage garnishment or you are concerned about creditors taking your income, now is the time to take action. The Arizona Bankruptcy Center focuses exclusively on protecting the financial interests of our clients. We know what it takes to stop garnishment in Arizona.

- Stop Lawsuits

Bankruptcy gives consumers and businesses relief from creditor harassment, as well as impeding lawsuits by creditors and collection agencies. Immediately after you file bankruptcy, all legal actions against you are immediately put on hold through an automatic stay. If you are facing overwhelming debt and threatened with creditor action, or a lawsuit has already been filed against you, now is the time to take action to protect your rights. At the Arizona Bankruptcy Center, we are dedicated to helping our clients achieve debt relief and stop creditor lawsuits.

- Stop Creditor Harassment

If you are in good standing with creditors, they typically leave you alone. If you are behind on your payments, even just a few days, can creditors contact you repeatedly at home and at work? Can they retaliate by reporting false information to credit agencies? Can they use profanity, impersonate other parties or threaten arrest?

The answer is basically, no. Federal and state acts and legislation like the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA) put limits on how far creditors can go to collect debts. Creditors who break collection and contact laws are penalized with fines and, if the violations are severe enough, loss of their business license.

- Discharge Credit Card Debts

The truth has finally caught up with the mortgage crisis. Lenders really did behave predatorily, and sold countless mortgages to borrowers for homes they could not afford, at rates and terms that were too high and too confusing, and that disguised borrowers' risk.

Likewise, at Arizona Bankruptcy Center we feel that credit card companies, in their greed, have enabled inexperienced and financially at-risk individuals and families to become financially encumbered. Credit limits are often set too high. College students and college-aged kids are targeted when they are too young, and are not yet able to successfully plan and budget their finances. Furthermore, rates adjust too quickly and too much when even a single payment is late.

- Bankruptcy and Divorce

Divorce can lead to financial disputes over asset division, debt division, child support and spousal support. Our Arizona bankruptcy and divorce attorneys will work directly with you to assess your needs and protect your rights with respect to your separate and community property and debts.

- Debt Negotiation

As bankruptcies increase and corporate revenues decrease nationwide, many smart companies are willing to negotiate debts. Often, debtors willing to take steps to address debt issues directly with their creditors, even with the help of an attorney, can forestall larger financial issues in the future. In the event that your creditors take aggressive legal action to collect upon debts, we can provide skilled and experienced legal representation.

If you would like to know more about how an attorney can help you or your business reduce debt through negotiations with creditors, contact Arizona Bankruptcy Center. From our law offices, we can:

• Negotiate with creditors
• Provide counsel regarding bankruptcy protection
• Review lease and loan contracts
• Halt wage garnishment
• Provide legal defense in creditor lawsuits
• Work to prevent bank account seizure
• Work to prevent the repossession of your car or truck

More Information on Arizona Bankruptcy Center

Bankruptcy Law Firm in Avondale, Arizona
Avondale, AZ Chapter 7 Bankruptcy Attorney
Foreclosure Action Law Firm, Avondale, Arizona
Avondale, Arizona Wage Garnishment Attorneys
Debt Collection Lawsuit Lawyer in Avondale, AZ
Avondale, AZ Chapter 13 Bankruptcy Lawyers
Avondale, AZ Stop Creditor Harassment Lawyer

Office Locations

• USA - Arizona, Casa Grande
• USA - Arizona, Glendale
• USA - Arizona, Mesa
• USA - Arizona, Phoenix - Main Office
• USA - Arizona, Prescott
• USA - Arizona, Surprise
• USA - Arizona, Tempe
• USA - Arizona, Tucson