Tucson Bankruptcy Lawyers

How Our Experience Will Get you the Best Results

Our Tucson Bankruptcy attorneys have handled cases in Arizona for more than a decade. We can provide professional guidance for both individuals and small business owners that are struggling with debt. Our specialized experience helps us find potential bankruptcy obstacles for our clients, as well as ways to avoid them. The first step towards your clean financial slate is to contact My AZ Lawyers to discuss your situation with one of our Tucson bankruptcy lawyers.

Our Tucson Bankruptcy Law Firm offers high quality legal representation for both Chapter 7 and Chapter 13 bankruptcy filings. Our licensed and qualified attorneys will guide you through every step of the process, from consultation to discharge. While other firms may rely on paralegals and legal assistants to complete your case, at our firm, every detail of your case will be overseen by an experienced bankruptcy attorney. You can proceed with your bankruptcy with certainty and confidence when you work with a firm that values both professional legal representation and customer service.

Tucson bankruptcy attorney

The Automatic Stay in a Tucson Bankruptcy

The Automatic Stay begins the moment your bankruptcy petition is filed. With garnishments and other collections stopped, it is often far easier for our clients to pay their fees after filing, as opposed to before. Most bankruptcy attorneys leave their clients with a Catch-22 of not being able to afford a bankruptcy attorney until they file bankruptcy. At My AZ Lawyers, our Tucson bankruptcy lawyers offer a ZERO DOWN bankruptcy program for qualified clients. We strive to make the protections and benefits of bankruptcy more affordable for Tucson residents.

The Automatic Stay prevents all forms of creditor collection efforts, including:

  • Annoying and harassing creditor calls

  • Wage garnishments

  • Bank levies

  • Lawsuits

  • Foreclosures

  • Repossessions

  • Utility Shut-offs

  • Evictions

Tucson Bankruptcy FAQs

Our Tucson Bankruptcy Lawyers discuss some of the most asked questions by people in Tucson that are considering Chapter 7 or Chapter 13 bankruptcy. Our experienced Tucson debt relief team have helped thousands of people in Tucson and throughout Pima County file for bankruptcy protection. Call (520)779-0777 for a free same day consultation. Our Tucson Bankruptcy Lawyers offer low fees, payment plans for every budget, and a $0 Down bankruptcy filing option

ANSWER:

Bankruptcy is a legal process that allows those who have unmanageable debts to address this in a manner appropriate for their income, while protected from their creditors. Most individuals file under either Chapter 7 or Chapter 13 bankruptcy.

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ANSWER:

Any adult who has debt can file bankruptcy. However, there are criteria you must meet to qualify for either Chapter 7 or Chapter 13 bankruptcy.

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ANSWER:

Chapter 7 bankruptcy clears away unsecured non-priority debts. Credit cards, medical bills, and more will be wiped away in a relatively short process. All of your assets must be protected by exemptions in Chapter 7 bankruptcy, or the trustee can seize them to sell to pay your creditors. There are also income limits you must meet to qualify for Chapter 7 bankruptcy. These requirements can have variable factors and differ by state, so contact an Arizona bankruptcy lawyer to make sure you qualify before filing in Tucson.

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ANSWER:

There is no minimum amount of debt required to file bankruptcy in Tucson. However, there are limits to how much debt you can discharge in Chapter 13 bankruptcy. The current Chapter 13 debt limits are $419,275 in unsecured debt and $1,257,850 in secured debt.  If you are considering filing for bankruptcy in Tucson or Pima County, contact our Tucson Bankruptcy Attorneys for additional information.

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ANSWER:

Your creditors will be notified of your bankruptcy, as will any co-signers on your loans. You will need to inform your employer of your bankruptcy filing if you have an active wage garnishment. Besides that, no one else will be notified, although bankruptcy is a matter of public record.

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ANSWER:

There are bankruptcy waiting periods that vary based on the chapter you file originally, and the subsequent chapter you wish to file. If you file a Chapter 7 bankruptcy, you must wait eight years to file another Chapter 7 bankruptcy, or six years to file a Chapter 13 bankruptcy. If you file Chapter 13 bankruptcy, you must wait two years to file another Chapter 13 bankruptcy, or four years to file a Chapter 7 bankruptcy.

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ANSWER:

The Automatic Stay is a legal protection that goes into place once your bankruptcy petition is filed. The Automatic Stay provides comprehensive protection from your creditors. While in place, your creditors may not garnish your wages, levy your bank account, shut off your utilities, foreclose your home, repossess your vehicle, and more. The Automatic Stay usually lasts until your case is discharged or dismissed.

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ANSWER:

Medical debt is usually unsecured debt, meaning it will be dischargeable in bankruptcy. Chapter 7 bankruptcy clears away medical debts. In Chapter 13 bankruptcy, medical bills are the last debts to be paid in your payment plan. If your disposable monthly income doesn’t allow for your medical debts to be paid off fully in your plan, they can be discharged with minimal repayment.

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ANSWER:

When you have fallen behind on mortgage payments, Chapter 13 bankruptcy can help you save your home from foreclosure. While shielded from foreclosure, your current mortgage payment, as well as the amount you owe in arrears, will be paid in your monthly installments. Your plan will last either 3 or 5 years, making resolving your past-due balance far more realistic.

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ANSWER:

There are several factors that can affect how bankruptcy changes your credit score. Those with a mediocre to low credit score may see little to no effect when filing, or even a slight improvement in their scores. If you have a higher score, you can probably expect your score to decrease when you file your petition. The steps you take to rebuild your credit after bankruptcy will impact the long term effects of bankruptcy on your credit.

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ANSWER:

Medical bankruptcy is the term many people used to refer to a bankruptcy that is filed largely due to medical debt. While there is no specific distinction for a medical bankruptcy on your bankruptcy petition, medical bills are the leading cause of bankruptcy in Tucson and the United States in general. Medical bills can be cleared away by Chapter 7, and are the last debts to be paid, if at all, in Chapter 13.

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ANSWER:

Your case will need to be bifurcated if you’d like to pay for your Tucson bankruptcy with a $0 down payment plan. Because debts are discharged the moment your petition is filed, your attorney will first file a skeleton petition. This petition includes only basic information, and you will have two weeks to file the rest of your petition. This will enact the automatic stay, and you can begin accruing debts again. Your Tucson bankruptcy attorney will charge for work completed from that point. With the proper financing structure, your attorney may offer payments in affordable installments. This payment plan will be 0% interest and last up to 12 months. For more information, call our office for your free consultation.

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ANSWER:

The length of time it takes to return your credit score to pre-bankruptcy levels will depend on your score before filing. It will also depend on how much you do to rebuild your credit after your debts have been discharged. Opening new lines of credit, such as credit cards, will help you start a new credit history and gives you the opportunity to maintain a high revolving available balance. You can also use a secured, or prepaid, credit card through your bank. Financing a new vehicle will require your lender to report positive payments. You can also check with your bankruptcy attorney if your payment plan includes credit reporting, which will help boost your credit score as you pay off your balance.

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ANSWER:

Yes. Everyone who files bankruptcy in Tucson is required to attend a hearing known as a 341 Meeting of Creditors. Your trustee will confirm your identity and ask questions about your petition. Your creditors may also appear, possibly objecting to their debts being discharged in your bankruptcy. If you file Chapter 13 bankruptcy, you will also need to attend a plan confirmation hearings. Other hearings may be necessary in both chapters if certain special circumstances are present.

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ANSWER:

If you own your vehicle outright, or have equity in your vehicle, you can keep it in Chapter 13, as well as in Chapter 7 if it is protected by state bankruptcy exemptions. In Tucson, Arizona, a single filer may have up to $6,000 equity in a vehicle. A married couple may either have two vehicles worth $6,000 each or one vehicle with up to $12,000 equity.

If you are behind on your payments, Chapter 13 bankruptcy may provide you with a path to catch up, save your vehicle, and address other debts. Your past-due balance will be spread out over the course of 3-5 years, giving you plenty of time to catch up on payments. However, the entire balance of your auto loan must be paid in full in a Chapter 13 plan. For more information, contact our office to speak with one of our Tucson bankruptcy lawyers.

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ANSWER:

Our Tucson Bankruptcy Lawyers are proud to offer our consultations free of charge. This is because we are confident that even if you shop around, our high quality service and affordable payment options will make us your top choice. We also offer phone consultations, so you can discuss your financial situation in the comfort and privacy of your own home.

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ANSWER:

You are protected from termination from your job because of filing bankruptcy. However, future employers may choose not to hire you with a bankruptcy on your record. This is only relevant in some industries, such as the finance industry.

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ANSWER:

After a Tucson bankruptcy, you should be able to qualify for new lines of credit after your case has been discharged. You may even be able to finance a vehicle shortly after your petition is filed. However, you will need to wait 2 years from your filing date until you are eligible for FHA loans.

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Same Day Bankruptcy Filings in Tucson, Arizona

Do you find yourself in a financial crisis that just can’t wait? Call our Tucson Bankruptcy attorneys today to schedule your free consultation. Our debt relief attorneys usually have same day appointments available. If your need is immediate, our Pima County bankruptcy law firm can also assist you with a same-day emergency filing. This instantly grants you the protections of the Automatic Stay while preparing the rest of your bankruptcy petition. This can stop a vehicle repossession, home foreclosure, and other creditor collection methods in their tracks.

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1 S Church Avenue
Suite #1200
Tucson, AZ 85701