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Phoenix Bankruptcy Lawyers

Personal bankruptcy may be a final resort for individuals who are struggling to pay the bills and make ends meet. At the 602 Law Group, we understand the financial stresses you and your family may be experiencing, and we want to help.

If you or a loved one is experiencing a financial hardship and considering filing for bankruptcy, please contact us today to discuss your situation. Our mission is to be your trusted guide through the bankruptcy process.

Why File for Bankruptcy?

Filing for personal bankruptcy is a serious matter that results from significant financial hardship. Common indicators that bankruptcy may relieve your financial situation include:

  • Large amounts of debt, such as credit cards all maxed out to their limit.
  • The looming potential of your personal assets being either repossessed or foreclosed.
  • Your wages consistently being garnished by the government in order to repay a debt.
  • Eviction from your rental property for failing to pay rent.
  • Exorbitant medical bills and hospital expenses that are beyond your ability to pay.
  • Nonstop harassment and correspondence with multiple debt collectors.
  • Creditors and other financial institutions threatening to file a lawsuit against you to pursue any financial losses.

If you are experiencing one or more of these examples, bankruptcy may be a viable solution for you.

Why Do You Need a Lawyer?

If you or a loved one are considering filing for personal bankruptcy, it is highly recommended to seek the counsel of an attorney. Although some do file without the help of a lawyer, it is often incredibly difficult to succeed with a lawyer to help you through the process.

All bankruptcies must follow the guidelines set forth by both federal and Arizona state law, which can be difficult and confusing for those who do not fully understand the complexities of the U.S. Bankruptcy Code.

For example, although the forms required to file for bankruptcy are fairly straightforward, a single mistake may get your case dismissed. Furthermore, if the mistake is serious enough, your case may be dismissed with prejudice, which may bar you from refiling for a certain time period.

An experienced attorney who is already familiar with the bankruptcy process can efficiently guide you through proceedings while avoiding any pitfalls or mistakes that may prolong your case. Additionally, they can help you prepare any and all paperwork necessary to file your bankruptcy in a thorough yet prompt manner.

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We Take Care Of All Bankruptcy Matters

At the 602 Law Group, we are skilled, experienced bankruptcy attorneys who can help you with any and all aspects of the bankruptcy process. This can include:

  • The paperwork necessary to file for bankruptcy.
  • All the assets that must be taken into consideration in order to file for bankruptcy.
  • Any adjustments to wage garnishments.
  • Any threats of repossession. How bankruptcy can affect student loans.
  • Any exemptions that you qualify for following a bankruptcy.
  • What debt problems are affected by successfully filing for bankruptcy.

If you have any questions regarding your financial situation and how bankruptcy may affect or otherwise impact your life, please contact us today.

Which Bankruptcy is Best for You?

It’s important to note that there are two type of bankruptcies an individual can file for:

  • Chapter 7 bankruptcy is also known as “liquidation” because it essentially forgives any designated outstanding debt the person has.
  • Chapter 13 bankruptcy is known as “wage earner reorganization” because it allows individuals to restructure any outstanding debts in order to repay them slowly over time.

Each of these types of bankruptcy require different criteria in order to qualify. For example, an individual must pass a means test for Chapter 7 bankruptcy; this determines whether you have any assets or income that can go toward paying off your debt. In this case, a Phoenix Chapter 7 bankruptcy attorney can help.

Likewise, individuals are generally only eligible for Phoenix Chapter 13 bankruptcy if they are working and earning wages to pay off their debts. Depending on your situation, each of these types may be best for you – and in some cases, you may even be able to convert from one type of bankruptcy to the other as your circumstances change. Because of these complexities, an attorney is highly recommended through the whole process.

Contact Us Today for Assistance

Bankruptcy is a serious financial proceeding that can profoundly impact your life and your debts. If you or a loved one are considering bankruptcy, contact the 602 Law Group first to determine your best options before moving forward. That way, you can make an informed decision about what to do next.

Contact us today, and see how we can help.

Attorney scott stewart
“We believe each client deserves the best legal representation available.”

We are a client-focused law firm. Everything we do is purposeful, intended to bring home the best possible outcome for our clients. By providing tailored bankruptcy solutions, we assist families through their struggles for results that are positive, meaningful, even life-changing.

Attorney Scott David Stewart