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    FILING FOR BANKRUPTCY IN SCOTTSDALE, ARIZONA

    If you are having a tough time making ends meet or if creditors are relentlessly hounding you, consulting a Scottsdale bankruptcy attorney may be the answer. The first step to take when considering bankruptcy is to consult with an experienced attorney. Our Scottsdale BK lawyers offer a free initial consultation. Our Free Consultations can either be in one of our area offices or by phone, your choice!

    At your free bankruptcy consultation, you’ll be able to speak with the attorney, discuss your financial problems, and explore debt solutions. Bankruptcy laws allow you to eliminate debt and your Maricopa County Bankruptcy Attorney will explain how this can work for you. Bankruptcy tends to be a last resort for most people, but, in fact, it was designed to offer a fresh start from overwhelming debt for individuals, families, and businesses in Scottsdale, Arizona.

    If you are experiencing serious financial difficulties, as many individuals and families are in the Scottsdale area, you are likely considering the possibility of filing for chapter 7 or chapter 13 bankruptcy. No matter which area in Scottsdale you live, be it; North Scottsdale, Airpark, Boulders, Cactus Corridor, Kierland, Triple Crown, DC Ranch, Mayo Clinic District, or some other neighborhood, hardship can slowly catch up with you or strike unexpectedly through, an accident, medical bills due to illness, an unexpected circumstance, or personal tragedy.

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    Declaring Bankruptcy is a Big Decision

    Declaring bankruptcy in Scottsdale is a big decision, and understanding the bankruptcy filing process, what will happen when you file bankruptcy, and life after bankruptcy is important. Our Scottsdale bankruptcy attorneys have the answers that you are looking for regarding filing for bankruptcy and debt relief options in Phoenix and Scottsdale, Arizona.

    Filing for bankruptcy protection is never what we have planned nor what we may want, however, in some cases it is a smart financial decision. Chapter 13 bankruptcy, Chapter 7 bankruptcy, or alternative forms of debt relief can effectively eliminate your debt and allow you to get a fresh start financially. Filing for bankruptcy immediately stops creditor calls and harassment as an “automatic stay” happens as soon as you file for bankruptcy. Bankruptcy can even save your home from foreclosure and your vehicles from repossession. Contact our experienced bankruptcy attorney and find out if bankruptcy may be the right choice for your current financial situation.

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    bankruptcy FAQs

    FAQs for Our Scottsdale Bankruptcy Lawyers

    ANSWER:

    Bankruptcy is a legal proceeding in which an individual who cannot pay his or her bills can get a fresh financial start.  Also, Bankruptcy is a right that is provided for individuals in Nevada under federal law.  Bankruptcy cases are handled in Federal Court.  Declaring bankruptcy immediately stops creditor harassment and collections, at least until your debts are sorted out according to the law.  Bankruptcy FAQs can be answered by an experienced Scottsdale bankruptcy attorney.

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    ANSWER:

    To qualify for a Chapter 7, you must meet at least one of two requirements: you make below the median income level for your state, or you pass the Bankruptcy Means Test. Your income level will be calculated by combining you and your spouse’s income and averaging it over the past six months. Minor children will be counted towards your family size, but not adult children.

    If you make above your state’s median income level, you will have to prove to the court that you don’t have enough money left at the end of the month to pay your debts to qualify for a Chapter 7. Mandatory deductions and court-approved monthly payments will be subtracted from your income. If the amount you have left is below a certain number, you will qualify for a Chapter 7 bankruptcy. If not, you still have Chapter 13 Bankruptcy as an option.

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    ANSWER:

    The homestead exemption in Arizona is $150,000. You should consult with an attorney if you have over $150,000 equity in your home but otherwise qualify for a Chapter 7. You can also retain any active rental lease.  Staying within the these parameters, you can keep your home in a Chapter 7 Bankruptcy Filing in Arizona.

    If you make above your state’s median income level, you will have to prove to the court that you don’t have enough money left at the end of the month to pay your debts to qualify for a Chapter 7. Mandatory deductions and court-approved monthly payments will be subtracted from your income. If the amount you have left is below a certain number, you will qualify for a Chapter 7 bankruptcy. If not, you still have Chapter 13 Bankruptcy as an option.

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    ANSWER:

    Whether you own your car outright or you are making payments, there are limits on how much equity you can have in your car. In Arizona as a single filer, you can own a car outright worth up to $6,000, or have $6,000 equity in a vehicle. Married filers may have two vehicles worth $6,000 each or one vehicle worth $12,000. There are special higher exemptions for filers with disabilities that need wheelchair-accessible vehicles.  Following these parameters, you can keep your car in a Chapter 7 bankruptcy in Arizona.

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    ANSWER:

    A bankruptcy filing in Scottsdale, Arizona stays on a persons credit for 7 to 10 years.

    For more information about bankruptcy, contact the Scottsdale Bankruptcy firm of My AZ Lawyers to schedule a free consultation. 

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    ANSWER:

    Yes! It is actually recommended that you do so to help rebuild your credit. You may have to start with a secured card but making timely payments will help increase your credit score. You will want to pay attention to the interest rates and apply for whichever offer has the lowest. Starting with a small limit and making a purchase each month will greatly help.

    Many experienced bankruptcy attorneys can point you in the right direction to not only rebuilding your credit after filing bankruptcy but also in assisting you with finding a new credit card after.  Additionally, other debt relief options should be considered including:  [http://www%2Carizonazerodownbankruptcy.com/]Arizona Zero Down Bankruptcy, Medical Bankruptcy, Bankruptcy by phone, Debt settlement, and Debt Consolidation.

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    ANSWER:

    Many Scottsdale Bankruptcy attorneys require you to pay the court filing fee and their entire legal representation fee before your case is filed. Our office offers $0 down payment plans for qualifying individuals filing Chapter 7 bankruptcy. Our Scottsdale BK Lawyers plans can extend as long as 12 months post-bankruptcy. You can choose monthly, bi-weekly, or weekly payments and you choose the payment plan start date (within 30 days after your bankruptcy is filed). Your payments will be credit reported, helping you rebuild your credit score faster.

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    ANSWER:

    Doctor bills are considered unsecured debt in a bankruptcy. Unsecured debt may be wiped out in a Chapter 7.  If money is owed to a doctor and a bankruptcy is filed, this debt and creditor is required to be listed in your bankruptcy petition.  Filing bankruptcy on your doctor doesn’t  mean that you have to change physicians, or that your doctor will drop you as a patient.  Basically, even if you intended on paying the medical debt, it is unavoidable that it be listed on the bankruptcy paperwork. 

    It is possible that your doctor will drop you as a patient if you discharge the money you owe in a bankruptcy, as long as you’re not needing emergency care..  There is a federal law that requires a person needing emergency medial treatment at an emergency department be treated and stabilized. 

    A doctor may understand a patient’s financial situation, offer payment options, and continue treatment. If this is the case, the physician would continue to see the patient.  It does depend on the relationship between physician and patient, and if  money owed to the doctor is able to be paid back  after the debt is discharged in bankruptcy. 

    CONTACT AN EXPERIENCED SCOTTSDALE BANKRUPTCY ATTORNEY

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    Scottsdale Consumer Bankruptcy Lawyers

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    Have you been considering filing for bankruptcy? Are you in a financial bind that just keeps getting worse. Are you facing foreclosure, or worried that your car is going to be repossessed or your wages garnished? Are you afraid to answer the phone because your creditors won’t stop calling?

    At our Scottsdale Bankruptcy Law firm, My AZ Lawyers, PLLC, we have successfully handled numerous consumer bankruptcy cases in Scottsdale, in Maricopa County, and throughout Arizona. We have brought financial relief to our clients and eliminated their creditor harassment. Our bankruptcy lawyers and legal staff pride ourselves in giving personal attention to our clients. Our law firm/Debt Relief Agency primarily represents individuals and small businesses. Our bankruptcy law firm believes that bankruptcy is an honest solution, your legal right, and we offer you a free initial consultation to discuss the ways that it can benefit you and your family.

    In times when consumer debt in Arizona is at an all-time high, anyone can be confronted by overwhelming debt as a result of unexpected medical bills, a loss of a job, the sudden death of a family member, or even divorce. Filing bankruptcy will immediately get the creditors off your back. With our collective experience, knowledgeable legal staff, and the resources to properly address your case, you can count on the compassionate, personalized and effective legal representation you need when filing for bankruptcy in Scottsdale, Arizona.  We also offer $0 Down bankruptcy, bankruptcy by phone, same day BK filings, and a File from Home option.

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