File Bankruptcy for FREE

  • You Pay Nothing to File – Not Even a Filing Fee

  • We even write a check for your filing fee to ensure you pay nothing to file

  • After you don’t have to pay your other creditors, you just pay us back, interst free, at $246 a month

If you want to pay up front, our fees are $1995.  But nobody pays up front because they don’t have $1995.  We understand that.  So we cover the $1995, we pay your court costs, your credit report, we even write a check for your filing fee.  That way you literally pay no money to file.  After that, when you don’t have to pay anyone else, you just pay us back, interest free, at $246 a month.

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Leading Bankruptcy Attorneys In Arizona

Dealing with Unmanageable Debt?

Get a Fresh Start With Our Arizona BK Lawyers Today

 

Start Your Journey to Financial Freedom TODAY – Zero Money Down, Zero Worries!

Dreaming of a debt-free future? At [Your Law Firm Name], your path to financial freedom begins with a bold promise: Zero Money Down. We get it – $1995 upfront can feel like an insurmountable hurdle. That’s why we’ve shattered this barrier, allowing you to take control of your financial destiny without any initial payment.

We Cover ALL Costs: Imagine a world where you pay NOTHING to file for bankruptcy. We make it a reality. We cover your $1995 in fees, your court costs, and even write the check for your filing fee. Yes, you heard it right – zero dollars out of your pocket upfront.

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Worried about the costs piling up? Don’t be.

With us, there’s no need to fret about court expenses or credit reports. We take care of it all, ensuring you focus on your fresh start, not on the bills.

Pay Absolutely Nothing to File: With our unique approach, you literally pay nothing to file. No hidden fees, no unexpected expenses. We’ve got you covered from the beginning, so you can embark on your debt-free journey with confidence.

Zero Interest, Zero Pressure: Unlike traditional models, we don’t charge you interest. After filing, when you’re finally free from paying other creditors, you pay us back at a manageable $246 a month. It’s a stress-free, interest-free approach designed to fit your budget.

Your Financial Freedom, Your Pace: Your journey to financial freedom shouldn’t come with pressure. We understand everyone’s situation is unique. That’s why we work with you to ensure your repayment plan fits seamlessly into your life, allowing you to reclaim control at your own pace.

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Bankruptcy Is a Fresh, New Beginning, Not An Ending

Beware of Debt Settlement Schemes: Don’t Fall Victim to Empty Promises

  • The Stop-Payment Trap: Debt settlement companies often advise you to halt payments on your credit cards, leaving you vulnerable to escalating interest rates and mounting debt.
  • The Half-Truth Settlement: After letting your debt skyrocket, these companies may attempt to negotiate a settlement for the original amount.
  • The High Cost of ‘Help’: Debt settlement firms charge you up to 30% of the settled amount for their services.
  • The Credit Consequence: Contrary to their claims, debt settlement damages your credit score significantly, often more than filing for bankruptcy.

At our firm, we believe in empowering you with honest, transparent solutions. We understand the allure of quick fixes but caution against the pitfalls of debt settlement scams. Instead, we offer personalized strategies tailored to your unique situation.

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Our Clients’ Testimonials

Arizona Bankruptcy Attorneys With 5-Star Rated Reviews

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Easy process and we filed the same day. What a difference it has made in our life. We started rebuilding our credit the very next month with their payment plan! I’m happy, my husband is happy, and we owe it to EZ Legal Fees by WantAFreshStart.

100% Guaranteed Client Satisfaction

Sara Finch | Phoenix, AZ ★★★★★
Happy Client Review

“ Thank you so much! I wish I had contacted them sooner. The stress prior to the BK is way bigger than the actual filing. I truly appreciate their help and will recommend them to anyone who needs their help!

Bryan Stevenson - Phoenix, AZ
★★★★★

“ The legal team at EZ Legal Fees by WantAFreshStart really DID give me and my family a fresh start. It’s amazing how fast debts can pile up when you least expect it. Thank you so much everyone!

Carol Johnson - Phoenix, AZ
★★★★★

Need a Fresh Start?

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Frequently Asked Questions About Bankruptcy Law

Bankruptcy is a government program that forgives most debts every eight years whether you need it or not. It is how the governent wants you to responsibly deal with your debt. The program exists for a reason. Nobody want you to endure hardship or have to choose between food or medicine. In a rich society, there is relief from debt for those who need it.

In order to file bankruptcy, your income must be less than the median income for Arizona for your family size, or you must pass the Means test. The Means test is based on your income and expenses, and uses a formula to determine who may qualify to file bankruptcy.

Bankruptcies are considered public record, but are not advertised. Anyone can call the court and ask if you have filed bankruptcy, but filings are not published in a newspaper for all to see. The only people notified of your bankruptcy are your creditors or anyone you choose to tell.

It depends on the type of business you own. Some corporations are independent of their owners, which means that a personal bankruptcy filing will not affect the business itself. However, it can affect a partnership claim. Discuss your concerns with your attorney!

Yes, filing either type of bankruptcy will have a negative impact on your credit score. A Chapter 7 bankruptcy remains on your credit reports and affects your credit scores for 10 years, while a Chapter 13 bankruptcy affects your reports and scores for 7 years.

Almost everyone files chapter 7, over 90% of filers. Lucky chapter 7 is the traditional bankruptcy where you get rid of your dischargeable debt, keep your exempt assets, and get on with your life. Unlucky Chapter 13 bankruptcy is for people who have filed bankruptcy in the last eight years, or make too much money, or are way behind on their home or car payments. In chapter 13, you have to pay whatever you can afford to the court for three to five years. You are not requried to repay all of your debt. At the end of the term, you get a discharge similar to chapter 7. There are a few reasons to file chapte 13, but none are very good.

After filing bankruptcy, it iwll see like it is over. You will get a stay order from the corut telling all of your creditors to no contact you. Nobody steps in the way of the federal order or they could go to jail, so you will never hear from these guys again. it will seem like it is over, but we have to give the government time to do their job. Six weeks after filing, you will have a five minute phone call with the court. This is just routine, that is why it is only scheduled for five minutes. Then, assuming everything goes right, you will get your get out of debt free card in the mail about six weeks later. It will be a discharge and have a pretty government seal on it protecting you from your creditors ever contacting you again.

Maybe not. Creditors cannot take your social security. Even if it is built up in an account, they cannot even take it out of your account. If you only have social security, and no other unexempt assets, you probably don’t need a bankruptcy.

Let’s take a civics lesson. There are two courts in America. The civil court, and the criminal court. The criminal court is the only one that can lock you up, or fine you, or do evil things like that. The only person that can use the criminal court is the government. If two people are fighting over money, they have to use the civil court. The civil court is there to protect you, the debtor. Before a creditor can take money from you, he has to prove you owe it. That is why he has to go to Civil Court. That is all a civil judgment means. You owe money. We alredy knew that. This is not a big deal. However, once a creditor gets a judgment, your wages can be garnished or your property seized. You will want to get help before lawsuits turn into judgments. But nobody is civil court is going to lock you up.

In most situations, debtors who file bankruptcy will get to keep their house and vehicle if they are current with the loan payments. In a Chapter 7 bankruptcy, you will continue making payments on the house or car.

There are a variety of assets exempt from bankruptcy filings including retirement accounts, unemployment benefits, money earned after filing bankruptcy, money received for alimony and child support, personal items, household goods, wildcard exemptions, and property such as your house or car.

Once bankruptcy has been filed, the automatic stay goes into effect. This puts an immediate stop to all collections efforts including contact of any kind from creditors, wage garnishment, repossession, foreclosure, and more.

As long as your spouse is not a co-signer or legally liable for any of the debts involved in your bankruptcy claim, they will not be affected by you filing for bankruptcy. Their credit score will remain the same and the bankruptcy will not show on their credit reports.

Yes, the automatic stay goes into effect against all types of collections efforts. This includes most civil lawsuits. If you have a lawsuit filed against someone else at the same time your bankruptcy case is filed, the lawsuit will be considered an asset of your bankruptcy estate.

You did not get a loan from a frined who wasn’t charging you interest. You might want to pay your friend back. You got a loan from a huge corporation who is trying to make money off of charging high interest rates to people who cannot afford it. That is why they charge interest. Some people are not going to be able to pay. Banks and lenders make some of the most moeny of any businesses. Let’s not shed a tear for the creditors. They will make plenty of money without yours. You need your money. Your money means a lot more to you than it does to a big bank. Besides, someday, someone will want to retire, or go to college, or on vacation. The banks will not care about that. They will just want another payment that keeps you from living.

Nobody thought they would file bankruptcy. But bad things happen to good people. And isn’t it good to have a safety net to help get out of a hole? Besides, bankruptcy is a government program like student loans or unemployment. If you lose your job and need some help, unemployment is a life saver. Nobody feels bad about getting student loans, but student loans are very similar to bankruptcy. With enough time, you could work part time jobs, save your money and get a college degree. Student loans just help you speed it up so you can live life. Similarlly, with enough time, you could make small payments every month and maybe pay off your debt eventually. Bankruptcy just helps you speed it up so you don’t run out of time.

Bankruptcy may actually make your credit score go up. You still have the same income, but you no longer have any debt. Therefore, you are better able to make a monthly payment, whcih is all they wanted anyway. They don’t want you to pay anything off. Regardless, you can get cars and credit cards the same day you file. After two years, you can get the same government backed mortgages that everyone else gets, only you will have a downpayment because you didn’t have to pay your debt. Bankruptcy will put you in a better place than struggling with minimum payments.

To file bankruptcy, you will need to take a one hour, $20 online class. The class is requried by the bankruptcy court, but it is given by a third party. therefore, you cannot take is seriously. The only thing the bankruptcy court sees is that you finished the class. So, just get through the class.

After the class, you will have to find documents to paint your financial picture for the court. Provide any income and bank statement from the last six full months. Find a copy of your ID and taxes, etc. Once you have all of the documents, you and your bankruptcy attorney will complete the petition and file it, sometimes the same day the documents are provided.

Attorney Filed Chapter 7 Bankruptcy

  • File for No Money Down with 12 payments of $246 after filing
  • Attorney Supervised Petition Preparation
  • Attorney/Paralegal Petition Review with Client
  • Petition Filed Electronically by Attorney/Paralegal
  • Full Attorney Representation at Meeting of Creditors
  • Attorney/Paralegal Reviews Court Notices and Questions Throughout

Attorney Directed Chapter 7 Bankruptcy

  • File for No Money Down with 12 payments of $179 after filing
  • Client Can Apply to Waive Filing Fee
  • Attorney Supervised Petition Preparation
  • Attorney/Paralegal Petition Review with Client
  • Petition Filed by Client with Clerk of Court
  • Attorney/Paralegal Available for Questions Throughout
Contact Our Arizona Bankruptcy Lawyers

Get A Fresh Start

Contact Our Arizona Bankruptcy Law Firm