Hiring a bankruptcy attorney in Mesa, AZ can be a life-changing financial decision. If you are struggling to pay your debts, meet your financial obligations, or deal with harassing creditors, Want A Fresh Start can help you. With our over 20 years of experience helping clients navigate bankruptcy law in Arizona, we will provide you with exceptional insight and support to meet any of your needs.

Determine If Bankruptcy in Mesa, AZ, Is Right for You

The decision to file bankruptcy is a very important one. For many people, it creates an opportunity to reestablish financial health and build a better future. Yet, every situation is very different. It is up to you to determine if this is the right path forward. To help you, our bankruptcy lawyer in Mesa, AZ, will provide you with clear insight into the good and the bad that comes from bankruptcy while answering every one of your questions.

Chapter 7 bankruptcy explained

For many people who may not have a lot of assets they own outright, Chapter 7 bankruptcy can be a fast method to getting out of debt. In this method, the court sells off any excessive assets you own. Keep in mind that there are many exemptions that protect many of your personal property options and even your vehicle up to a certain level. Once any extra assets are sold to pay creditors, the rest of your debt is discharged. With Chapter 7 bankruptcy, you can expect:

  • Your debt is to be discharged within 3 to 6 months.
  • The bankruptcy is to be noted on your credit report for 7 to 10 years.
  • Foreclosure activity is frozen to determine the best route forward.
  • It quickly works to wipe out your debt, allowing you to start rebuilding your financial future right away.
  • Most of the time, the process takes between 3 and 6 months.
  • You do not have to repay your debt.
  • You may be able to apply for a mortgage in 2 years or less.

Our bankruptcy attorneys in Mesa, AZ, can help you determine if you qualify for filing Chapter 7 bankruptcy in Arizona. To do so, we must consider whether you meet the Arizona Means Test qualifications (your income must be under the specified amount). Meet with us today to discuss this type of bankruptcy. You can stop creditor calls as soon as today.

Chapter 13 bankruptcy explained

A secondary option for some people is Chapter 13 bankruptcy. This method requires setting up a repayment plan for your debt. That plan lasts from 3 to 5 years, during which you will make payments directly to the court. The court then pays your creditors. After the completion of this period, any remaining debt is discharged. With Chapter 13, there are several things you can expect:

  • It is only available to individuals (not to businesses).
  • You keep all of your assets. Your assets are not sold off unless you decide to do so.
  • You often keep your home or other secured assets and catch up on payments with the restructuring of your loan.
  • You will need to make payments for the next 3 to 5 years. During that time, you may find your access to new credit is limited.
  • The bankruptcy will stay on your credit report for 7 years.
  • This form may be an option if you recently filed for bankruptcy or you do not meet the requirements under the state‚Äôs means test.

When you meet with our bankruptcy attorney in Mesa, AZ, you will gain insight into all of your legal options. We will structure a comprehensive plan to help you determine how to move forward. Our attorneys will give you all of the facts, but it is up to you decide if you want to move forward with this type of bankruptcy.

Signs You Should Speak to a Bankruptcy Attorney in Mesa, AZ

Bankruptcy carries with it numerous consequences, and as your attorney, we are legally obligated to share those with you. We do not push you into filing or even encourage it after providing you with a full consultation to discuss your options (we also do not charge you for this consultation!) There are many reasons why a person may find filing for bankruptcy the ideal solution to their financial needs.

In the following situations, we encourage you to reach out to our bankruptcy lawyer to learn more about how bankruptcy could help you get a financial fresh start.

You have creditors calling you.

They can continue to call you until you file bankruptcy action. Once you retain an attorney, you just need to give them your information, and they will immediately stop bothering you.

You are facing foreclosure.

Bankruptcy does not resolve foreclosure in itself, but it does put a freeze on the foreclosure process, which means you are given time to figure out what to do next. You may be able to restructure your loan and get caught up on payments in Chapter 13. If you are on the brink of losing a home you want to keep, contact us.

You have wage garnishments.

Wage garnishments are often awarded when a person falls behind on financial obligations, and a judge orders employers to make payments directly to the creditor. When you file bankruptcy, garnishments are frozen, and you are given the time to navigate the process.

You are struggling with repossession.

Like with foreclosure, bankruptcy does not resolve repossession, but it does stop the actual process. You can then determine whether you should pursue liquidating those assets or if you can restructure the debt to make it more affordable to you.

You cannot pay off your debt within the next 5 years.

If you have so much debt that you cannot repay it within the next 5 years, consider the benefits of filing bankruptcy. Within 5 years, you could be out from under that debt and be well on your way to establishing a better financial future for yourself.

What to Expect from the Bankruptcy Filing Process

Our law firm works to minimize any frustration or confusion for our clients who are filing for bankruptcy. This is critical since the process requires very specific steps to be taken in the right order. When you allow our team to work with you to file bankruptcy, you can expect clear communication and outstanding support.

Register with us first

The first step is to register with Want A Fresh Start. This can be done for as little as $200 a month. Once in place, you can start to see the benefits, including stopping creditor phone calls. We have the lowest bankruptcy fees in the state.

We handle the payments and registration process

When you work with our team, you get hands-on support. We handle the entire process for you so that you can navigate it with confidence. Our team is always available to discuss your needs with you and answer any questions you have as well.

Decide on the type of bankruptcy best suited to your needs

Our bankruptcy attorney in Mesa, AZ, is available to discuss the types of bankruptcy available, what they would mean to you, and which option is best suited for your financial situation. We are honest and open about what you can expect.

Represent you throughout the process

Once we move forward, expect our bankruptcy attorneys to remain by your side throughout the legal process. We handle the creditors, the courts, and any questions you have. We help you navigate the legal process with careful attention to your needs. We stay with you throughout the discharge.

We take pride in helping our clients to fully understand bankruptcy. Remember the following:

  • Bankruptcy is your right under the U.S. Constitution.
  • If you are unable to pay your debts for any reason, whether it is your fault or not, you may be able to purchase help from bankruptcy.
  • Our attorneys communicate clearly with you, but you are never pressured to make a decision to file.
  • You must weigh the benefits of filing bankruptcy against the implications on your short-term financial health.
  • No matter what occurs today, filing for bankruptcy could make your future better if you meet the requirements.

There is no risk in speaking to our legal team. When you meet with us, allow our attorneys to answer any questions for you and discuss what the process will involve. We are here to help you.

Why Choose Our Bankruptcy Attorney in Mesa, AZ

At Want A Fresh Start, we provide our clients with exceptional legal support. We are on your side and provide honest insight into your financial future with and without bankruptcy. With over 20 years of experience helping clients throughout Mesa, we can be there to help you, too.

Set up a free consultation with our bankruptcy attorney in Mesa, AZ, now to start learning more about your rights when filing for bankruptcy. Without a doubt, this could be one of the best decisions you make for yourself and your financial future. Contact Want A Fresh Start now to set up a no-obligation consultation.