Affordable Arizona Bankruptcy Lawyer

In the current economic climate, many people have found themselves burdened by the weight of their debt. Many individuals have found themselves unable to to pay their credit cards, medical bills, mortgage, or car payment. Fortunately filing for bankruptcy protection no longer carriers the stigma it once did. More and more people are turning to filing bankruptcy protection as a prudent financial decision. With the help of the qualified bankruptcy lawyer, many people are afforded the fresh start they so desperately need.

Did you know that bankruptcy can stop foreclosure? That bankruptcy can prevent repossessions? That bankruptcy can stop creditor harassment? While bankruptcy is not for everyone, there are many benefits of filing Chapter 7 and Chapter 13 bankruptcy. An experienced bankruptcy lawyer in Phoenix can look at your current financial situation and tell you if bankruptcy is the right option. The bankruptcy attorneys of Ariano & Reppucci are trained in areas of Chapter 7 and Chapter 13 bankruptcy, and now offer free bankruptcy consultations for all potential filers.

Arizona Bankruptcy Help

Chapter 7 Bankruptcy
Chapter 7 bankruptcy is the liquidation chapter where all of your general unsecured debt (e.g. credit cards, medical bills, repossessions, foreclosures, etc.) are discharged. Consult with a Chapter 7 bankruptcy to ensure your asstes are protected by Arizona exemptions.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a reoganization of your debt over 3-5 years. Individuals generally file Chapter 13 bankruptcy to get current on secured debt (mortgage, car), keep property they might otherwise lose in Chapter 7, and because they do not meet the income requirements for Chapter 7 bankruptcy in Arizona.
Prevent Foreclosure
Filing Chapter 13 banktupcy prior to the foreclosure date will allow a Debtor to catch up on mortgage payments through the Chapter 13 plan.
Stop Garnishments/Bank Account Levies
Filing bankruptcy puts a stay or hold on collection efforts, and will stop any garnishments/bank account levies you may have or may be facing.
Stop Creditor Harassment
Bankruptcy eliminates creditor harassment as once you file creditors are not permitted to communicate with the Debtors.

 

Areasof Legal Practice

  • Bankruptcy
      Chapter 7 Bankruptcy
      Chapter 7 341 Hearing
      Chapter 7 Discharge
      Chapter 13 Bankruptcy
      Chapter 13 Plan
      Chapter 13 Payment Schedule
      Chapter 13 341 Hearing
      Chapter 13 Trustee Recommendation
      Motion for a Moratorium
      Lien Avoidance
      Lien stripping
      Chapter 11 Bankruptcy
      Prevent Foreclosure
      Credit Card Debt & Bankruptcy
      Debt Negotiation
      Foreclosure Actions
      Life After Bankruptcy
      Stopping Creditor Harassment
      Will I Lose My Car or Home?