A Scottsdale bankruptcy attorney from the law office of My AZ Lawyers, PLLC will answer your questions about the bankruptcy process, analyze your debt situation, and advise you about which type of bankruptcy may work best for you. Our Scottsdale bankruptcy law firm has helped hundreds of residents in Scottsdale, Phoenix, Tempe, and surrounding communities file for debt relief through the protection of bankruptcy. We also represent clients in Maricopa County, Pima County, Pinal County, and counties throughout Arizona.
Let our Scottsdale bankruptcy attorneys explain the bankruptcy filing process for chapter 7 and chapter 13 bankruptcy. We understand that much of the fear or apprehension when filing bankruptcy comes from not understanding what the process involves and how it is actually administered. Our Scottsdale debt relief experts and legal staff will answer any questions that you might have about filing bankruptcy in Scottsdale and the whole bankruptcy filing process.
Chapter 7 Bankruptcy Process:
- Meeting with a well qualified Scottsdale bankruptcy attorney
- You are required to take a credit counseling course within 180 days of filing for bankruptcy.
- Providing to your attorney your financial records
- Filing your petition, schedules, and Statement of Financial Affairs with the bankruptcy court – at this point, the automatic stay keeps your creditors or debt collectors from continuing their collection actions against you , including stopping phone calls, collection letters and even stopping foreclosure the same day
- Meeting with your bankruptcy trustee
- Attending a creditor meeting – this meeting allows your creditors to voice any objections about the discharge of your debt (for example, if they believe you are committing fraud in filing for bankruptcy). If an objection is filed, there will be a trial, though it is possible to avoid that by settling the case.
- Taking a financial management course
- Discharge of your debt – this typically occurs 75 days after you have filed your petition
Chapter 13 Bankruptcy Process:
- Meeting with a well qualified bankruptcy attorney
- Taking a credit counseling course within 180 days of filing
- Providing to your attorney your financial records
- Filing your petition, schedules, tax returns, and Statement of Financial Affairs with the court
- Filing your payment plan with the court
- Meeting with your bankruptcy trustee
- Addressing any objections to your plan by creditors
- Attending a plan confirmation meeting
- Making your payments – the first payment of your payment plan is due within 30 days of your case being filed
- Discharge of your debt – This occurs at the termination of your payment plan. Discharge typically takes between three to five years for bankruptcy cases.
If you require further information about the bankruptcy process, contact our Scottsdale bankruptcy law office for a free bankruptcy consultation and debt evaluation.
Affordable Legal Help for Chapter 13 and Chapter 7 Bankruptcy
At the Scottsdale bankruptcy law offices of My AZ Lawyers, PLLC, we provide guidance and support in a variety of bankruptcy cases, including those involving Chapter 7 and Chapter 13 filings. Our substantial knowledge of Arizona bankruptcy law allows us to make bankruptcy a swift and relatively pain-free proposition for our clients. If you are considering bankruptcy, contact our offices, and we will review your financial situation in order to help you come to a decision regarding whether or not to file. Our initial consultation are always free and we offer evening and weekend consultations to better serve you.
Considering bankruptcy or some other form of debt relief? Contact our Scottsdale bankruptcy law office at (480) 833-8000 for a FREE bankruptcy Consultation and Debt Evaluation. Our affordable bankruptcy lawyers can provide you with information about what the bankruptcy process involves.
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