Bankruptcy & Identity Theft In Arizona

Bankruptcy & Identity Theft In Arizona

Bankruptcy & Identity Theft In Arizona

There are countless driving forces behind bankruptcy in Arizona and the United States as a whole. Medical emergencies are the leading cause of bankruptcy, but other life events like job loss, divorce, or just simple poor budgeting can create debts that can’t be resolved without assistance from a legal process such as bankruptcy. Sometimes debt can stem from the criminal activity of others, such as identity theft. Additionally, an identity thief can steal someone’s personal information and use it to file for bankruptcy in their name. Bankruptcy and identity theft are two complex issues when separate, but it makes things even more complicated when they’re combined. If you have questions or concerns about the intersection of identity theft and filing for bankruptcy in Glendale or Avondale, Arizona, call 623-640-4945 for your free consultation with our firm. You may even qualify to file using our firm’s Zero Down payment plan option.

Glendale Bankruptcy Attorneys providing legal advice

More Information About Identity Theft

Identity theft occurs when one person uses another person’s personal or financial information without their permission. Arizona ranked 6th in the nation for fraud in 2023. There were 1,206 reports of identity theft per 100,000 population, with a total of 86,066 reports. However, it ranked 16th for identity theft in particular, with a total of 18,539 reports. The most common type of identity theft in the United States is through credit cards. Some examples of fraud categories include:

  • Imposter scams- Ex: A scammer calls an elderly person pretending to be their grandchild, saying they were arrested while on a foreign vacation and desperately need money wired to them or they will be incarcerated abroad.
  • Prizes, sweepstakes, and lotteries- Ex:
  • Business and job opportunities- Ex: An identity thief makes a false job posting for a remote position and convinces an applicant to submit their social security number with their application. Then they use that information to open up credit cards in the applicant’s name.
  • Online shopping and negative reviews- Ex:
  • Investments- Ex: An identity theft victim willingly sends money to invest in a false product that the thief has no intention of producing. Identity theft victims from this category report the highest median loss at $7,768 per incident.

Shouldn’t Identity Theft Debts Be Removed?

Someone who believes they have been the victim of identity theft is encouraged to report the identity theft to the Federal Trade Commission, or FTC, and the three main credit reporting bureaus as soon as possible. The victim’s credit can be frozen, which sets forth an identity verification requirement before any new debts can be incurred under the victim’s name. It should also be reported to the fraud department at any company at which a fraudulent debt is charged. Usually, this is sufficient to have a fraudulent charge removed from the victim’s credit. However, sometimes the process of proving fraud to these agencies doesn’t go smoothly. A common example of this is when the identity thief is tracked down, it turns out to be someone the victim knows or is related to, and the victim doesn’t want to press charges. Sometimes, the company at which the debt is charged simply isn’t cooperative with removing the debt. Either way, this can leave the victim with the burden of debt that they didn’t spend or approve. If this is combined with debts that the victim did actually intend to incur, their monthly payments, interest, late fees, etc., may begin to exceed their budget. This might create the need for the identity theft victim to seek debt relief.

What Happens to Identity Theft Debt in Bankruptcy

If an identity theft victim can’t get their debts removed or are otherwise deemed liable for them, bankruptcy may be an option to discharge them. As mentioned above, the most common type of debt incurred from identity theft is credit card debt. The good news is that credit card debt is unsecured non-priority debt, which makes it eligible for discharge in bankruptcy. Some unsecured debts, like child support and taxes that don’t meet certain requirements, can’t be wiped away by a bankruptcy filing and must be paid. Unsecured non-priority debts are erased in chapter 7 bankruptcy, which is the most popular form of consumer bankruptcy. Unsecured non-priority debts are only paid to the extent that the debtor can afford in chapter 13 bankruptcy, which is a payment plan bankruptcy that is used by debtors with higher incomes or debts that can’t be discharged in chapter 7.

Some bankruptcy debtors can choose which chapter to file, but many will only qualify for one or the other. Qualifying for bankruptcy can be a tricky subject. In chapter 7 bankruptcy, the debtor must prove that they don’t have enough income to pay off their debts, but in chapter 13 bankruptcy, the debtor must prove that they do have enough income to pay off their debts over time. The first step to both of these is calculating the debtor’s average income. Some people are salaried employees, while others may own their own business or have a variable income. Regardless, the court will look back at the debtor’s income for the past 6 months.

The potential bankruptcy debtor can compare their average monthly income to the median monthly income for households of their size in their state. If their income falls below the median, they will qualify for chapter 7 and have a 3-year payment plan if they file for chapter 13. If their income is above the state median, they will need to use the means test to qualify for chapter 7 and they will have a 5-year payment plan if they file for chapter 13. The means test is also used to determine how much a chapter 13 debtor will pay into their plan.

To conduct the means test, the debtor must subtract certain allowable expenses from their average monthly income. The expenses should be reasonable and necessary, such as a home mortgage or rent, groceries, utilities, student loans, child support, etc. Vacations, meals at restaurants, clothes shopping beyond what is necessary, and other luxuries can’t be used on the means test. When the results of the means test fall below a certain threshold, the debtor can file for chapter 7 bankruptcy. To qualify for chapter 13 bankruptcy, that number must be enough for the debtor to pay off mandatory debts like secured debts and priority debts over their payment plan’s lifespan. If you have more questions about qualifying for bankruptcy in Glendale or Avondale, Arizona, call 623-640-4945 for your free consultation with our firm.

Experienced Arizona Bankruptcy Lawyers Offering Zero Down Payment Options

If you are seeking debt relief after identity theft in Avondale or Glendale, our firm may be able to assist. Many of our clients are eligible to file for bankruptcy and protect themselves from creditors using our Zero Down payment plan option. Take charge of your financial situation and create opportunities to rebuild your credit in the future. Glendale Bankruptcy Lawyers will make each step of the process easier, which begins with your free consultation by phone. To take the first step towards filing for bankruptcy and wiping your slate clean, call 623-640-4945 to schedule your free consultation.

Electric Vehicle Maker On The Brink Of Bankruptcy

Electric Vehicle Maker On The Brink Of Bankruptcy

Electric Vehicle Maker On The Brink Of Bankruptcy

Electric vehicles have grown in popularity for the past several years for various reasons. They are supposed to be better for the environment, which is a cause important enough to some to affect their choice of vehicle. A person who drives an electric vehicle can save a significant amount of money on gas. Electric vehicles even have special license plates that allow drivers to use the HOV lane, even if there is only one occupant in the vehicle. As it becomes more commonplace to drive electric vehicles, more charging stations become available which makes people feel more comfortable purchasing an electric vehicle. One would think that this automatically translates into increased profits for companies that produce and manufacture electric vehicles. But one electric vehicle maker has encountered obstacles and could be on the brink of bankruptcy. Read on to learn about this potential filing, as well as personal bankruptcy filings in the state of Arizona. If you’re looking for a skilled attorney to take your bankruptcy case in Phoenix or Tucson, call 623-640-4945 for your free consultation with our firm.

Glendale Bankruptcy Attorney signing a document regarding Electric Vehicle company bankruptcy.

Fisker’s Potential Bankruptcy Filing

Fisker was founded by Danish automotive designed Henrik Fisker and is based out of Manhattan Beach, California. This company was started in 2016 after Fisker’s previous company, Fisker Automotive, went under. Fisker’s plan to revolutionize the automotive industry was dashed after the release of some extremely negative reviews of its vehicles. Technology reviewer Marques Brownlee made a video review of the company’s Ocean electric SUV which has more than 4 million views. He stated that it was the worst car he had ever reviewed citing issues like error messages on the dashboard screen, random beeping and blinking, and faulty cameras. Consumer Reports had similar opinions about the vehicle, calling it “both nauseating and jarring” and “the worst of both worlds.” This caused the company to halt sales of its shares, and the New York Stock Exchange even delisted the company’s stock due to abnormally low price levels.

Being delisted from the New York Stock Exchange can create massive issues for a business. In the face of being delisted, Fisker must buy back bonds due in 2026 and immediately pay off debts that were previously due in 2025. Fisker made a filing with the Securities and Exchange Commission to indicate that it does not have the assets to pay off all of these debts. On March 26, Fisker began reducing the prices of its vehicles. The subject of the negative reviews, the Ocean, was reduced by 40% to $37,499. With all of these negative financial indicators, it’s reasonable to predict that Fisker may soon be forced to declare bankruptcy.

Chapter 11 Bankruptcy For Large Companies

Chapter 11 bankruptcy can be used by individuals or companies, but it is mostly filed and discussed as a form of business bankruptcy. Financial experts expect that Fisker will file for chapter 11 bankruptcy because it is the type of bankruptcy used most often under these circumstances. A recent example is the June 2023 chapter 11 bankruptcy filing of fellow motor vehicle company Lordstown Motors. This company saw its value plummet by 35% after a botched investment from Taiwan-based company Foxconn. Foxconn only invested $52.7 million of a promised $170 million. Lordstown placed itself for sale with its chapter 11 bankruptcy filing. Now known as Nu Ride Inc, the vehicle maker intends to litigate its issues with Foxconn, as bankruptcy left it with more cash in the bank and a new board of directors.

Shutting down and reopening with a new company name isn’t unheard of in bankruptcy. It is also a strategy in chapter 7 bankruptcy, which many businesses avoid due to the requirement that the company shut down permanently. But many companies utilize chapter 11 specifically because it allows them to continue operating under the same name. When a debtor files for bankruptcy, a trustee will be assigned to oversee the case. In chapter 11 bankruptcy, the debtor’s primary creditors also assemble to form a committee. The committee has a great deal of authority in how the bankruptcy proceeds and changes to the business structure while the case is active. Small businesses can use a small business filing or a subchapter V filing to skip this process, but only if they meet certain debt limitations.

Choosing Between Chapter 7 & Chapter 13

With so many interested parties involved in a chapter 11 case, it is one of the most time-consuming and costly forms of bankruptcy. That’s why although it is an option for personal bankruptcy, the vast majority of people choose between chapter 7 and chapter 13. Chapter 7 and chapter 13 have their own eligibility requirements as well as their own benefits and drawbacks. If you are having trouble deciding between the two, call 623-640-4945 for your free consultation with our Arizona bankruptcy firm.

Chapter 7 bankruptcy is a quick and effective tool for debt relief. The process only takes about 3-6 months, which is much faster than other forms of bankruptcy and debt relief in general. There are few requirements of the debtor after they have filed their petition, completed their credit counseling courses, and attended the 341 Meeting of Creditors. Chapter 7 bankruptcy wipes out unsecured debt without priority status. Common examples of debts that are cleared by chapter 7 include credit cards, personal loans, unpaid rent and bills, medical bills, and repossession deficiency balances. Some taxes can be cleared by chapter 7 bankruptcy, but some have priority status, which makes them ineligible for discharge. Other debts that can’t be discharged in a chapter 7 include a home mortgage, an auto loan for a vehicle that you keep, student loans, and child support. Chapter 7 has strict income qualification rules, and the debtor needs to show the court that they earn less than the state median income or pass the Means Test in order to qualify.

Chapter 13 bankruptcy isn’t as fast as chapter 7, but doesn’t have as strict eligibility requirements and can help the debtor address secured and priority debts that would be unaffected by a chapter 7 filing. Instead of erasing debts, chapter 13 restructures debts into a payment plan of 3 or 5 years. This gives a debtor more time to catch up on secured debts to stop a foreclosure or repossession. It also can clear secondary home mortgages under certain circumstances. The debtor will be protected from creditors and some of their unsecured nonpriority debts can be cleared when the payment plan is complete.

Need Help Deciding If Bankruptcy Is Right For You? Start Here.

All types of businesses, from restaurants to electric vehicle makers, have been struggling since the pandemic. If you are having troubles making ends meet, you deserve more information about your debt relief options. Our Arizona bankruptcy lawyers can assess your situation to determine if bankruptcy is a fit and which chapter you should file. If you’re seeking quality representation in the Phoenix or Tucson area, we can provide you with an affordable payment plan option starting as low as Glendale Bankruptcy Attorney. To get started today with your free phone consultation, contact us or call 623-640-4945.

The Data Is In: Business Bankruptcy Filings Increased By 58% In 2023

The Data Is In: Business Bankruptcy Filings Increased By 58% In 2023

The Data Is In: Business Bankruptcy Filings Increased By 58% In 2023

Over the past few years, it seems like it has gotten much more difficult just to get by. People are finding creative ways to dodge the effects of inflation, but many companies don’t have the flexibility to make changes so rapidly. In addition to inflation, businesses face problems like increased shoplifting, staffing shortages, incongruity with post-pandemic lifestyles, and more. For some business models, the only option is to shut down and find a new line of work. Others can use bankruptcy to defend against creditors while deciding upon a new and more profitable business strategy. And now that 2024 is here, we have a clear view of what happened in 2023. There was a dramatic increase in bankruptcy filings in 2023, particularly by corporations. Continue reading if you’re interested in learning more about what caused this increase in the business bankruptcy rate. For your free phone consultation with an experienced Arizona bankruptcy lawyer, call 623-640-4945.

A Glendale lawyer examining documents potentially related to bankruptcy with a gavel on the desk

What Caused Business Bankruptcies to Increase in 2023?

There were 179 corporate bankruptcy filings in the United States in 2022, but this number increased to 282 for 2023. Health care companies were the hardest hit, increasing by 117% and representing 21% of business bankruptcy cases in general. For example, Envision Healthcare filed for bankruptcy with $9.4 billion in debt, and radiology provider Akumin filed for bankruptcy with $1.3 billion in debt. Issues within the health care industry include declining numbers of patients, staffing shortages with demand for higher wages, and inadequate reimbursement rates for Medicare and Medicaid patients.

Another industry that saw increased bankruptcy rates was real estate. This may come as a surprise, considering the staggering increase in home prices in recent years both in Arizona and nationwide. Real estate companies represented 11% of corporate bankruptcy cases for 2023. The Chinese real estate company Evergrande filed a Chapter 15 bankruptcy, stating to have $38.86 billion in debt. WeWork, an office-sharing space company, also declared bankruptcy in 2023 with an estimated $47 billion in debt. Other notable business bankruptcy cases from 2023 include radio giant Audacy, pharmacy chain Rite Aid, and Silicon Valley Bank.

Chapter 11 Bankruptcy for Corporations

Most of the businesses that declared bankruptcy in 2023 did so using Chapter 11 bankruptcy. While it is not the most popular form of bankruptcy when you factor in consumer bankruptcy filings for individuals, it is often used by corporations because it doesn’t require a company to liquidate. A business that declares Chapter 11 bankruptcy can continue operating. Its normal daily functions will remain in the control of ordinary management. However, major decisions will need to pass through the creditor committee. The creditor committee is a feature of Chapter 11 bankruptcy in which the debtor’s primary debtholders form a committee that can give input and vote for or against proposals throughout the case. Small businesses can skip the creditor committee process through a small business filing or a subchapter V filing. A creditor committee isn’t required under either of these types of Chapter 11 bankruptcy, but the debtor must have less than $7.5 million in debt to qualify.

What is Chapter 15 Bankruptcy?

As mentioned above, Evergrande’s bankruptcy was a Chapter 15 case. Chapter 15 is a relatively new type of bankruptcy case, as it was created in 2005. One major reason that other companies may have not used Chapter 15 is that it is meant for companies based in multiple countries. Often, the company will have already filed a bankruptcy (or a similar legal action) in their home country before bringing a Chapter 15 bankruptcy case in the United States. Without the prior case in their home country, it can be simpler to file Chapter 7 bankruptcy or Chapter 11 bankruptcy instead.

In a Chapter 15 bankruptcy case, the company should assign a foreign representative. The foreign representative should file a petition for recognition of a foreign proceeding, which is basically an acknowledgment that the company is involved in a bankruptcy case in another country. What happens next will depend on if the company’s foreign bankruptcy proceeding is considered a foreign main proceeding or a foreign non-main proceeding. It is considered a main proceeding if the case is occurring in the country in which the corporation has its “center of main interests.” The foreign representative has the authority to run the business while the bankruptcy is proceeding like a creditor committee in a Chapter 11 bankruptcy case.

Consumer Bankruptcy: Chapter 7 and Chapter 13

Chapter 7 bankruptcy can also be used by businesses, but most individuals will file their consumer bankruptcy petitions under either Chapter 7 or Chapter 13. Chapter 7 bankruptcy is the more commonly-filed Chapter of the two. A corporation that files for Chapter 7 bankruptcy must shut down, and doesn’t have the option to continue operating like in Chapter 11 bankruptcy. Chapter 13 bankruptcy is not an option for most corporations.

Chapter 7 bankruptcy is the most popular Chapter of bankruptcy for good reason. It offers effective debt relief, clearing debts like medical bills, credit cards, and taxes that meet certain requirements. This is generally the simplest and fastest form of bankruptcy, with most cases being completed in about 3-5 months. That doesn’t mean that there are no hurdles to filing a Chapter 7 bankruptcy petition. A debtor must meet certain income requirements, which vary from state to state, to qualify for Chapter 7 bankruptcy. While not technically a requirement, a Chapter 7 bankruptcy debtor should also confirm that their assets will be protected by exemptions in a Chapter 7 bankruptcy filing. Again, bankruptcy exemptions vary from state to state. If you have questions or concerns about qualifying for Chapter 7 bankruptcy in Arizona, Arizona bankruptcy lawyer, call 623-640-4945 for your free phone consultation with our firm.

Chapter 13 bankruptcy is sometimes a backup option for Chapter 7 bankruptcy, and sometimes is the preferred choice because of its unique features and benefits. Chapter 13 bankruptcy pays off debts. It reorganizes them into a payment plan of 3 or 5 years. This provides the opportunity to become current on and pay off secured debts such as a house or car. However, a Chapter 13 bankruptcy case needs to be planned carefully- it should take up all of the debtor’s disposable monthly income for however long the payment plan lasts. For more information on your potential chapter 13 bankruptcy case in Phoenix or Tucson, Arizona, call 623-640-4945 for your free consultation with our firm.

When Times Get Tough, Bankruptcy Might Be Able To Help

Filing for bankruptcy- and even the process of reaching out to bankruptcy lawyers- can be stressful, burdensome, and even embarrassing. But the recent increase in bankruptcy filings just goes to show that many are struggling with their financial situations currently, and that bankruptcy can assist when debts are too much to bear. Bankruptcy can stop your creditors in your tracks and clear your slate so that you can work on creating a new credit history. Our team at Glendale Bankruptcy Attorney aims to make the process easier along every step, including the payment process. Eligible clients can file for bankruptcy with our firm for as little as zero dollars down. To learn more, contact us through our online form or call us at 623-640-4945 to set up your free consultation with our Phoenix and Tucson bankruptcy lawyers.


GLENDALE BANKRUPTCY ATTORNEY
20325 N 51st Ave #134,
Glendale, AZ 85308
Office: 623-640-4945
Email: info@glendalebankruptcyattorney.co
Website: www.glendalebankruptcyattorney.co

Toys R Us Bankruptcy Update

A settlement to 33,000 former Toys R Us employees was awarded by a bankruptcy judge. It has been a year since Toys R Us filed Chapter 11 bankruptcy protection. The former workers are receiving $2 million after a class-action lawsuit against the company was filed on their behalf.

Also getting paid is the law firm that is representing Toys R Us. The bankruptcy firm is getting $56 million in legal fees. When a company files Chapter 11 bankruptcy, severance payments and pensions are looked at as unsecured debt. Unsecured debts are typically less likely to be paid and are considered low-priority debt.

When the 33,000 Toys R Us former workers split the $2 million severance package, they will each get $60. Reports indicate that previous employees are disappointed with the amount of severance awarded to them. As part of a benefit package at the beginning of the bankruptcy, the workers were told that they would receive severance pay. During the legal process, however, the severance package was voided. Workers who were promised the money remained even after the first 180 stores closed.

The laid-off workers feel unappreciated and undervalued. Some of the workers gave 30 years of service to the company. Those who were burned by Toys R Us are staying out of jobs in retail stores altogether, knowing about other bankruptcies in the industry (Kmart, Sears, Shopko, and more).

Toys R Us staff who were laid off due to the company going bankrupt have been awarded $2 million by a judge after filing a lawsuit. The company promised , but then rescinded severance money to be paid to workers. The fact that the law firm is receiving a reported $56 million in fees and each worker will get $60, is discouraging for the former employees.

Mattress Firm Files Chapter 11

Mattress Firm Joins Other Retail Companies Who Have Filed Chapter 11 Bankruptcy

Mattress Firm filed for Chapter 11 bankruptcy. The largest mattress retailer in the country plans for its company to close almost 700 of its stores. As it plans to restructure, Mattress Firm is operating 3,500 stores, but will close 200 locations immediately.

Retail stores are filing chapter 11 blog

“Brick and Mortar” businesses and shopping malls are challenged by big-box stores such as Walmart, and online shopping giant Amazon.

In order to alleviate financial issues, Mattress firm would like to get out of some leases as part of its business restructure plan. The closures of Mattress Firm stores adds to the number of almost a dozen other retail companies that have had to file for bankruptcy so far this year. According to a recent report by a real-estate research firm, mall vacancy rates are at 9.1 percent, the highest in seven years. 

Businesses joining Mattress Firm in filing bankruptcy include National Stores, Nine West, The WAlking Comapany, Gumps, Rockport, Brookstone, Bon-Ton Stores, Claire’s, Kiko USA, and A’gaci. A discount retailer with many shopping center locations, National Stores filed Chapter 11 after a difficult retail environment caused financial problems. After filing Chapter 11, Brookstone plans to close 101 locations in shopping malls. Well-known in the shoe industry, Rockport, whose brand sold in more than 60 countries, also filed Chapter 11 bankruptcy protection. Another footwear company, Nine West, plans on closing all 70 stores and selling some of its brands. Based in malls across the country, Claire’s debt issues resulted in a Chapter 11 bankruptcy filing. The Walking company, for the second time in ten years, filed Chapter 11. Retail stores owned by Bon-Ton include Younkers, Elder-Beerman, and Carson’s. The company was forced into liquidation. Kiko USA plans on restructuring its business through a Chapter 11 bankruptcy by closing most of its stores. A’gaci, a women’s apparel retail store, will close 20 of its 75 stores after filing Chapter 11.

Traffic ticket 28-701.02A3 going 90 in a 55 zone and it was also a construction zone.What are the fines? Any jail time?

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Traffic ticket 28-701.02A3 going 90 in a 55 zone and it was also a construction zone.What are the fines? Any jail time?

This is my first speeding ticket since I have started driving. Is there anyway the judge will let me take a driving class to get the points off my license so my insurance dosent go up? More concerned about jail time. What would be the best course of action? To plead guilty or not guilty? I would like to get this over with as soon as possible and not have to worry about more court dates.

A: The quicker way to put this whole incident behind you is to plead guilty to the offense as pleading not guilty will probably lead to additional time and appearances. Since you have no way of hiring an attorney, may I recommend seeking out an attorney who offer a free initial consultation. You will be able to get a better idea of what to expect in court and what your options may be. I would advise seeking local counsel.

Answered by:

The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

, Glendale AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

4 days after my arrest I was released on a writ of habeaus corpus, what remedy is availible for trial purpose I am now charged

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Four days after my arrest I was released on a writ of habeaus corpus, what remedy is available for trial purpose I am now charged?

I was arraigned 11 days after my arrest. Four days After my arrest I requested to be release as there were no formal charges.

A: Winning you case for the pending criminal charges is unrelated to the fact that you may have been improperly detained.

You definitely need to seek a Michigan defense attorney to assist you with your situation who will guide you as to if you should accept any plea offers given to you by the prosecutor and to how strong he feels your case is and if you should proceed to a trial or hope for a favorable plea offering. Remember, you don’t have to accept any plea offered to you by the prosecutor, your freedom is just that, yours. An experienced Michigan defense attorney will be the most helpful asset going forward.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

, Glendale AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

BOA credit card went to a law firm can I hire debt settling agency?

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BOA credit card went to a law firm can I hire debt settling agency?

I cannot afford to pay my credit cards anymore I lost my job can I hire a debt settling agency?

A: The pertinent question is whether the law firm has filed a suit against you. If the law firm has filed a suit against you, then you will want to consult with an attorney as soon as possible. You generally do not need to hire an attorney to file an answer on your behalf, unless you have a legitimate dispute with what the initial complaint stated.

Hiring an attorney would be better than a debt settling agency for many reasons. First, attorneys can advise you on what to do in the face of possible legal action. Second, there are many debt settling companies that take advantage of people by promising great results and accomplish almost nothing. Also, many debt settlement companies have shady business practices, but attorneys have an ethical obligation to look after the best interests of their clients.

If you are facing multiple creditors and do not have a current ability to pay you may want to schedule a free consultation with a bankruptcy attorney in your area to more fully discuss bankruptcy and non-bankruptcy options that are available to you.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

, Glendale Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

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Can I file bankruptcy, as an individual, and have the bankruptcy not effect my wife’s excellent credit?

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Can I file bankruptcy, as an individual, and have the bankruptcy not effect my wife’s excellent credit?

I have no possesions, retirement, etc. I have poor credit and a $12,000 judgement against me that I want to eliminate with a bankruptcy.

A: In a simple answer, “Yes” you can file bankruptcy without your spouse having to file bankruptcy. When one person files for bankruptcy, the other is not automatically pulled into bankruptcy just because they are married. On the other hand, though, filing bankruptcy can sometimes leave the non-filing spouse unprotected as he or she may owe shared debts without the protection of a bankruptcy filing. If your wife’s name is on a shared debt, the debt will still be of her responsibility.

Many people have the mistaken belief that because you are married, your spouse is automatically responsible for your debts. This is just not the case. Since a bankruptcy can be filed by one spouse without the other, there are several aspects of the answer. You should contact an experienced bankruptcy attorney and get advice before proceeding with a bankruptcy filing.

A bankruptcy filing by one spouse does not automatically bring the other spouse into bankruptcy. That being said, the Chapter 7 or Chapter 13 bankruptcy being filed by the one spouse does not give the non filing spouse the full protection of the automatic stay or the bankruptcy discharge. Contact a local bankruptcy attorney as I am sure they will be able to help you out. Many decent bankruptcy attorneys offer free consultations in which you can get your questions answered.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

, Glendale Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

I am over my head with unsecured debt, have been keeping up with minimum payments through a since empty savings account.

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I am over my head with unsecured debt, have been keeping up with minimum payments through a since empty savings account.

Q: I am unemployed…no income. Also have a secured home equity loan that is current, but I only took a partial loan out…I have probably $80,000.00 in remaining equity that I can’t get to because of debt, and no income. I have no family, and would have no place to live. I have a paid off vehicle, but need that to find employment. Should I maybe just try to pay the secured debt and not the unsecured debt? I would have no place to go if they took my house…and how long before they would take my house? I am ready to park on a railroad track! What can I do?

A: Sorry to hear about your predicament. First thing first and that is to make a plan of attack. Plan on attacking one thing at a time and things won’t seem so overwhelming. Make an appointment with a bankruptcy attorney in your area. Just because you make an appointment with a bankruptcy attorney doesn’t mean that you have to file bankruptcy. There are many debt relief options available to you and an experienced bankruptcy attorney will review those options with you.

Many bankruptcy lawyers offer free initial consultations and can be a great help to you as they will provide you with the answers and possible solutions to your current financial problems. Don’t guess at what you should do, seek the help of a professional and take it one thing at a time. There is a debt relief option for everyone, the key is to pick the path to a “fresh start” that is best for you.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

The Bornmann Law Group
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

, Glendale Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

A Greater Budget To Prevent Bankruptcy

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A Greater Budget To Prevent Bankruptcy

Be Fiscally Conservative By
Spending Less on Your Clothing

There are many different ways to avoid having to file for bankruptcy. You may be told to sell some of your things to pay bills, negotiate with creditors, or to restructure your life. Perhaps something as easy as formulating a better budget is an easy way to avoid having to file for Glendale bankruptcy. One of the ways that you could consider to tighten your budget is to reduce the money that you spend on clothes. Sure, it may be easy to just not buy any new clothes, shoes, or garments. However, some jobs require that you have up to date, fashionable clothing. Other jobs require a uniform or clothes and shoes to perform the job. Sometimes the clothes do make the man (or woman). Sometimes clothing and shoes are a necessity.

Using some creative money strategies may allow you to reduce the amount of money that you have to spend in this aspect of your life. Reducing resources spent on clothes and shoes will allow monies to go towards satisfying the many debts that have been looming over your head. Remember, this budget and reduction has to be done by you as there is no way that those shoes you have had your eyes on at the mall are just going to (all of a sudden) become affordable. Even some of the sales rack items are still going to be more than you are willing to pay.

By looking for your clothes and shopping in different places, you won’t have to sacrifice your love for style even though you are sacrificing some of your clothing budget. Not overspending for clothes is the key to reducing your clothing budget. First of all, you should shop with cash only. Though this may seem old-fashioned, when you limit yourself to shopping with cash for clothing, you will limit the temptation to overspend on a credit card. It’s too easy to swipe that little plastic card in exchange for that new dress or shirt that you have been wanting. When you use only cash for your clothing purchases, if you don’t have the money then you can’t spend it. Cutting back on your credit card use is a bonus. Plus, its never fun to pay for items that you bought months ago.

Many times some of the best deals can be found outside of the mall. On-line shopping can be a great source of bargains. However, when you shop on-line the instant gratification of wearing your purchase is not fulfilled. There are many discount chains that offer you the same quality, name-brand clothing and shoes at a fraction of the cost.

4 best places that you can shop on a budget in Arizona

Marshalls – www.marshallsonline.com
Ross – www.rossstores.com
TJ Maxx – www.tjmaxx.com
Norstrom Rack – shop.nordstrom.com/c/nordstrom-rack

Great stores like those above are stores that you may find brand name clothing that was originally put in the department store but then was removed because of a surplus. The items found in these stores are great-quality clothing and shoes, but are sold at the discount stores for a fraction of the price. Hitting the sales racks at the discount stores way garner you even better deals. However, just because things are a fraction of their regular price, don’t be lured to by items you didn’t need just because they were on sale. Also, be aware of impulse buys! Impulse buys are never a good idea when you are on a budget. Only purchase the items that are essentials for your work or your wardrobe at the moment.

A few other local places that you may try to not only find gently used name brand clothes at a fraction of the cost but you could also sell some of your clothing on consignment. Reducing the amount of clothing that you have by selling some of the things you don’t wear anymore is another thing that will help you make a better budget and give you a better chance at avoiding bankruptcy.

There are many discount and used clothing stores throughout Phoenix metro area and around the valley. The popularity of such stores is growing as the economic downturn endures. Seek out the assistance of a Glendale chapter 13 attorney for additional ideas and ways to better your budget and how you may avoid financial hardships and bankruptcy.

Published By:
The Bornmann Law Group
By
20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945

Republished From:A Better Budget to Avoid Bankruptcy

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Can Social Media Harm Your Bankruptcy?

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Can Social Media Harm Your Bankruptcy?

BEWARE: Facebook Posts Can Affect Bankruptcy

Social media sitesMany people in Arizona and throughout the United States have grown to love social media, especially Facebook. Social Media outlets are a great way to stay in touch with family and friends. Despite that, posting your personal information on-line has also opened a window that allows others to peer into your personal life. I doubt many Bankruptcy Trustees or creditors are looking up debtors to see if they are telling the truth about their personal assets. However, it can take less than two minutes to find out a lot about a person and their assets by simply looking on-line. It is always a good idea to keep your profile “private”. This will keep people from finding out too much information about you but is far from safe. More importantly, if you are considering filing bankruptcy, be sure to disclose all of your assets and property to your bankruptcy attorney. If they know about your property then they can almost always protect it, or at least put you in the best situation to keep as much of it as possible.

With the ever growing popularity of social media sites, the practice of law has adapted and changed with the growth. Facebook, Twitter, Google+, LinkedIn and other social media sites have changed the practice of law. Family Law and Divorce attorneys regularly review the opposing party’s Facebook profile for evidence of adultery or hidden assets. In some cases, prosecutors present online photos to juries as evidence of guilty behavior. It is a common practice of bill collectors to troll social media sites looking for assets and locating debtors. If you aren’t careful, these same tactics can affect the progress of your bankruptcy filing as well. Seek the assistance of your Arizona bankruptcy lawyer when going through the bankruptcy process in Arizona. A Glendale AZ bankruptcy lawyer will warn you on what posts and pictures might adversely affect your bankruptcy.

Ways Social Media Could Affect Your Bankruptcy

1. Posting Pictures of Luxury Spending: Trips, Vacations, High Ticket Items
2. Boasting about Side Jobs or Getting a New Job
3. Showing Off Personal Property that is Not Listed

Many of the ever-growing followers of social media do not guard what they post online for the world to see. Rarely do individuals at the start of a bankruptcy, (or later in the midst of one), consider that the photos and postings of their new toys (cars, TV’s) their vacation or weekend getaways, or other purchases are at risk for being brought into evidence in the bankruptcy court by a bankruptcy trustee. Recent vacations and purchases may raise concern with the bankruptcy trustee as to how debtors are spending their financial resources. Remember, creditors, bill collectors, and the bankruptcy court appointed trustee of your bankruptcy estate may be trolling social media sites looking for evidence that your situation has changed, or that you were not entirely forthcoming in the listing of your income, assets, and job positions on your bankruptcy petition and paperwork.

Don’t be so naive to think that that limiting access to your profile to “friends only” will help. Facebook and other social media information can easily be subpoenaed – do not assume any right to privacy for your online materials. Is it really necessary to tell everyone about what is going on in your world? Do you really need to show off and seek out the approval of others? If so, be prepared to have your not-so-private personal information used against you.

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Published By:

The Bornmann Law Group

20325 N. 51st Ave. Ste #134
Glendale, Arizona 85392
Office: (623) 640-4945
Re-Published from: Can Social Media Ruin Your Bankruptcy

Why You Should Hire A Glendale Arizona Bankruptcy Lawyer: Part 2 of 3: Correctly Registering

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Why You Should Hire A Glendale Arizona Bankruptcy Lawyer: Part 2 of 3: Correctly Registering

An additional aspect of the bankruptcy filing process that you may not be informed about is the bankruptcy court filings and requirements. We have heard quite a few horror stories concerning people who have registered bankruptcy on their own and have resulted in a much bigger wreck as the filings are incorrect. The most sensible thing you could do is to consult a Glendale bankruptcy lawyer to assist you throughout the bankruptcy process. Many individuals which have tried to submit their own bankruptcy typically end up using a bankruptcy law firm to get their bankruptcy registered both timely and properly.

One of the first items that your bankruptcy legal professional will determine is if you’re presently eligible for bankruptcy. There are new requirements when declaring bankruptcy like the necessity to have consumer credit counseling by an authorized consumer credit counseling class within the past eighteen months.

Lots of people get the forms and mean to get it done, and the paperwork just sits on the desk gathering dust. All it will take is having that one question which you have no clue how you can reply, and your attempt for declaring bankruptcy yourself fades away. Don’t take risks with your finance future. Speak to a Glendale AZ bankruptcy attorney who’ll schedule a time to talk about your case with you.

Why You Should Hire A Glendale Arizona Bankruptcy Lawyer: Part 1 of 3 – The Means Test

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Why You Should Hire A Glendale Arizona Bankruptcy Lawyer: Part 1 of 3 – The Means Test

There are many folks in the Glendale area that are at a point where they may want to soon consider filing bankruptcy as a solution to their current unenviable financial predicament. A number of of these individuals are wondering why it is important they retain a bankruptcy lawyer when declaring bankruptcy under Chapter 7 or Chapter 13 bankruptcy in Glendale.

Hiring a professional Glendale bankruptcy lawyer is not required by law, nonetheless, there are compelling factors why you need to have legal support when processing Chapter 7 or Chapter 13 bankruptcy in Glendale, Arizona.

Recent adjustments to federal bankruptcy rules made declaring Chapter 13 or Chapter 7 more complex. For instance, now you are required to have a “means test” when declaring bankruptcy. The Means Test has the intent to figure out if you’re entitled to a Chapter 7 bankruptcy filing. Declaring a Chapter 7 bankruptcy discharges the debt you owe.

The new bankruptcy means test can be hard and puzzling, and if you fill it in inadequately, it can be determined that you do not qualify for filing a Chapter 7 bankruptcy. This part of a bankruptcy filing is indeed critical that it could be damaging. If you wish to do it yourself and complete the Means Test incorrect, you could possibly jeopardize your chance to get released from your debts through a Chapter 7 personal bankruptcy.

Speak with your Glendale AZ bankruptcy law firm as it can be a comfort to get the help of an experienced bankruptcy lawyer if you are considering declaring bankruptcy and have to complete the required Means Test.

Bankruptcy and my Tax Refund

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Bankruptcy and my Tax Refund

Q: My estranged wife of 6 years filed for bankruptcy in June of 2011 I did not find out she had filed the chapter 7 until Sept. of 2011 when I was contacted by the trustee attorney who had requested lots of stuff I didn’t have we discussed my personal situation and that was the end of it. I always file an extention on my taxes so my 2010 taxes were filed in Oct of 2011 we file jointly she sends her w-2 I filed got the refund in nov paid my bills with it as always. in Dec of 2011 I was contacted by the attorney who demanded I turn over the 2010 tax refund I told him I had spent it on my debts. I told him he should have notified me of that in Sept. he agreed. I am now being sued by the trustee for the 2010 tax refund I knew nothing about the bankruptcy and was not told I had to turn over the refund.

A: If a portion of the refund was based upon her refund then when you spent all of the refund you used a portion of her non-exempt assets to pay off your debts. Unfortunately, unless you received a substantial tax refund, the money that you would pay an attorney to represent you in this matter would probably be a substantial proportion of the money that the trustee is asking from you from the tax refund. Having said that, you should consult with an attorney to review your options.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by Parker Evan Bornmann, Glendale AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

I charged airline tickets on my credit card, however I had to default the following month due to overwhelming credit card debt

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I charged airline tickets on my credit card, however I had to default the following month due to overwhelming credit card debt

I am using the airline tickets for a possible job interview in another country. Can the card company reverse my charge on the airline ticket ? I purchased the ticket in April and did not pay the May payment on the credit card

What can the credit card company do ?

We have been using our savings to pay credit card debts for 3 years and we can’t afford to do that anymore.

I am over 65 and lost my job 3 years ago and desperately trying to get cash flow just to live. My wife is permanently disabled. I’ve tried to get a job and know my age is a problem.

We also charged our Real Estate taxes last month on the same card, we just don’t have the money. We have had this credit card since 1991 and never missed a payment or been late . We don’t want to go Bankrupt.

A: They do not reverse charges for defaulting on a credit card. Bankruptcy should never be a desirable or an ideal option. However, there is a difference between wants and needs. You may not want to file for bankruptcy but you may need to file for bankruptcy. If you have mounting debt and an inability to pay that debt for the foreseeable future, bankruptcy may be your only prudent option. You should consult a Debt Counselor or an experienced bankruptcy attorney to help you review your options. A good Glendale bankruptcy attorney should lay out bankruptcy AND non-bankruptcy options for you and recommend which option is right for your particular case.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by Parker Evan Bornmann, Glendale AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

How can I stop a judgement?

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Q: How can I stop a judgement?

A credit card company said I signed up for there service in 2005. I filed court paper work saying that I did not sign up for this card or signed documents for a card agreement. So now in 2012 they got a judgement on my wife for all of 7 years of interest and late fees. How can I stop them from garnishing her check.

A: It will be very hard for you to set aside or vacate the judgment, but it is possible and will take a lot of research on your point, assuming that you are still within the time frame to file the motions and that your facts fit the proper criteria to set aside.

Bankruptcy may be a legitimate option for you depending on your current finances, the amount of assets that you have and the amount of debt that you have incurred, including the debt from the judgment. You should consult an attorney to discuss your options regarding the judgment and whether it would be prudent to file for bankruptcy to alleviate the debt.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by Parker Evan Bornmann, Glendale AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

I have just incured medical bills of over 100 K. I work for minimum wage and have no assets. What should I do?

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Q: I have just incured medical bills of over 100 K. I work for minimum wage and have no assets. What should I do?

I have a genetic lung disease that could act up at anytime and I can’t afford insurance. I am afraid that if I file for bankruptcy now I could be in real trouble should I have a relapse in the near future.

A: If there is a chance that you might relapse, it would probably be best to wait a little. Once you file for bankruptcy, any debt that you incur subsequent to the bankruptcy will not be dishcargeable. If the debt in your bankruptcy is discharged, you will not be able to file another Chapter 7 to discharge the new debt for another 8 years. As long as the creditors haven’t sued you they will not be able to take money from you. However, if you wait too long and a creditor sues you or is threatening a suit, you will want to consult with an experienced Glendale bankruptcy attorney to more fully discuss your options.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by Parker Evan Bornmann, Glendale AZ Bankruptcy Attorney.
Re-Posted from AVVO Legal Questions and Answers.

Can a promisary note still hold up in court?

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Q: Can a promisary note still hold up in court?

I’m in the middle of a nasty divorce, my soon to be ex is now filing bankruptcy. He still owes my parents 30,000 on a promisary note. My dad had in case of divorce, foreclosure and bankruptcy that they were to be paid. What happens now?

A: The clause in the promissory note stating that an unsecured debt is not subject to bankruptcy laws is unenforceable. Unfortunately, if your soon to be ex-husband files for Chapter 7 bankruptcy and he has no non-exempt assets for the court to distribute, the debt that he owes your parents will most likely be discharged in bankruptcy. Often times in cases involving debts to family members, the party filing for bankruptcy does not tell their attorney of the debt and this type of debt generally doe snot show up on credit reports. Your parents may want to consult with an attorney so that their interests are represented in the event that he has non-exempt assets to distribute.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by Parker Evan Bornmann, Glendale AZ Bankruptcy Attorney.
Re-Posted from AVVO Legal Questions and Answers.

Renting a Property After Processing Chapter 7 Personal Bankruptcy in Arizona

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Renting a Property After Processing Chapter 7 Personal Bankruptcy in Arizona

We recently had a customer come into our Glendale bankruptcy office to submit a Chapter 7 bankruptcy. Our client currently lives in a leased condominium but wants to move into a more cost-effective place to live.

Our customer’s lease on his condominium extends through the end of the year and he needs to declare bankruptcy before then. The concern that the customer has is that he might not be able to receive a new lease on a place just after filing for bankruptcy.

Would the Chapter 7 individual bankruptcy that he’s submitting make finding a new lease extremely hard?

A good point to always consider is that the months right after a personal bankruptcy filing is a time when an individuals credit standing is the most affected. Credit scores are often at their lowest right after a Chapter 7 or Chapter 13 personal bankruptcy recording. Our Glendale AZ chapter 7 lawyer informed our client that it’s very possible that he would have a difficult time getting a landlord who will rent him an apartment soon after proclaiming bankruptcy.

A better selection for our client, rather than declaring bankruptcy and then seeking to secure a new place to stay, would be for our client to sign a new lease on a different property prior to filing bankruptcy and then reject his current rental in the Chapter 7 personal bankruptcy filing.

Our bankruptcy client took the recommendations of our Glendale bankruptcy law firm and he has already signed a new rental on a more cost-effective apartment to live. Our client will be rejecting his present lease contract in his Chapter 7 personal bankruptcy filing. Chapter 7 bankruptcy processing will in addition wipe away all future rent owed and penalties accrued for not fulfilling the lease’s terms.

Secure Your Monetary Interests – Retain a Qualified Bankruptcy Legal Professional

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Secure Your Monetary Interests – Retain a Qualified Bankruptcy Legal Professional

An expert Glendale bankruptcy law firm will go quite a distance when you are considering bankruptcy options in Glendale, Arizona. Not only will the expertise of a devoted bankruptcy lawyer help you evaluate if chapter 7 or chapter 13 bankruptcy is the right debt help choice for your financial predicament. The experience of a Glendale bankruptcy lawyer is also significant when it comes to doing your bankruptcy petition, addressing your collection companies, and representing you in the Arizona bankruptcy courtroom. Make sure you do it perfect the first time, choose a skilled bankruptcy law firm to assure that your Glendale bankruptcy filing is done in a on time and professional manner.

Whatever the stage in the individual bankruptcy operation and even if you have not yet filed, you may really benefit from involving a professional Glendale bankruptcy attorney. The expertise of a bankruptcy legal professional can assist you throughout the decision-making procedure as you evaluate if filing is the right step for you because there are a number of options to bankruptcy out there. Experience counts and don’t you think its a better idea to get the expertise in your favor working for you?

Arizona Bankruptcy legal requirements is a very complicated legal area with laws that often change. A lot of Glendale lawyers merely dabble in bankruptcy law without staying at the cutting edge of bankruptcy exemptions or alterations to the legislations. Make sure that you hire a knowledgeable bankruptcy law firm to submit your chapter 7 or chapter 13 bankruptcy in Glendale, Arizona.

An expert bankruptcy attorney from the Bornmann Law Group, PLLC will even benefit you as their qualified lawyers and office staff will navigate the large levels of forms, petitions, and other documents that need to be completed and submitted within strict due dates. By finding a knowledgeable bankruptcy law office, it may help to be sure your essential bankruptcy forms and deadlines are not missed. A Glendale AZ bankruptcy lawyer is going to be there with you every step of the way and help you in receiving a “fresh start” through consumer bankruptcy in Glendale.

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Bankruptcy Lawyers in Glendale, AZ

Few people anticipate that they may one day find themselves in such an overwhelming amount of debt that creditors and the threat of foreclosure become a daily occurrence. However, in today’s economy this has become more of a regularity than a rarity for many financially strapped individuals. The downturn in the economy has shed light on the fact that bankruptcy is not the negative alternative to depressing amounts of debt that it was once believed to be. In fact, bankruptcy offers financially floundering individuals with a way to systematically end their financial woes.

Glendale Bankruptcy Lawyers, AZ

Call (623) 640-4945 for a FREE Consultation

Contrary to the social stigma that was once placed on the idea of filing for bankruptcy, the act is now viewed as a viable solution for ending a person’s debt. With the help of a legal professional in the area of bankruptcy law,  like the dedicated Glendale bankruptcy attorneys at the Bornmann Law Group, PLLC, individuals are able to pick themselves back up from their deep debt and find their way to the relief that life after bankruptcy has to offer.

While bankruptcy is not for everyone, many individuals and families in Glendale, Arizona find that filing for bankruptcy in Glendale solves the problems that they have been unable to resolve. Our Glendale bankruptcy law firm will sit down with you to discuss your personal financial situation in a free initial consultation.  Our Glendale bankruptcy attorneys will answer any questions that you might have regarding bankruptcy and advise you as to your options.

Glendale, Arizona Bankruptcy Attorneys

Glendale, Arizona bankruptcy attorneys can assist you with debt relief in Glendale, Arizona.  Most people file bankruptcy due to one or a combination of things like:  loss of employment, divorce, unexpected medical expenses, the failure of a business, an accident leading to serious injuries, increased interest rates, or a foreclosure. Most of the time, the need to file bankruptcy does not arise from irresponsibility but simply from the unexpected, which is unfortunately a part of life. There is nothing wrong with experiencing relief through filing for chapter 7 or chapter 13 bankruptcy.  The bankruptcy laws were created to help hardworking people in Glendale, AZ,  just like you get out of debt. If you are facing the consequences of unexpected financial crisis, please contact our low cost Glendale bankruptcy attorneys at the Bornmann Law Group, PLLC.  Our lawyers will assist you and work diligently to get you a “fresh start”.

Bankruptcy Lawyers in Glendale

The Benefits of Bankruptcy

This site also contains a great deal of helpful bankruptcy information about topics related to our debt relief services.  Some of the debt relief services offered by our Glendale bankruptcy law firm include:  Chapter 7 bankruptcy, Chapter 13 bankruptcy, Wage Garnishments, Repossessions, the bankruptcy means test, common bankruptcy myths, how to face life after bankruptcy, what the automatic stay does, how to address creditor harassment, foreclosure defense, and a complete bankruptcy time-line.  If you don’t find the answer to your bankruptcy questions here, please do not hesitate to contact our Glendale bankruptcy lawyers for additional debt relief help and answers.

Do you need legal help with a bankruptcy? Contact Glendale Bankruptcy Lawyers at the Bornmann Law Group, PLLC for a free initial consultation today!

 

Fine Glendale Bankruptcy Law Office

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Our Glendale bankruptcy attorneys are here that will help you learn about the procedure of declaring bankruptcy in Glendale, Arizona. In today’s economic turmoil in Glendale, Tucson, Mesa, and Phoenix, Arizona, many hardworking, truthful people, firms, and families are being overwhelmed by financial worries, garnishments, repossession, and real estate foreclosure troubles. Lots of people are losing their cars, their houses, and their life savings. These hardworking people need sound legal counsel, prompt debt settlement, and the chance at a “Fresh Start”. Our Glendale Arizona Bankruptcy Attorneys can provide the assistance which they need.

Our professional Glendale Arizona bankruptcy lawyers present our customers, both big and small, with the finest quality debt relief representation and bankruptcy help. Our bankruptcy legal professionals offers the support service often only affiliated with larger bankruptcy businesses, nevertheless with the personal service, consideration and responsiveness of a smaller firm. One more quality you should try to find when searching for the top bankruptcy attorney.

There will also be several quality choices while looking for the perfect bankruptcy law practice in Glendale. Find a bankruptcy practitioner who you feel safe with and who has plenty of time to provide you the one on one consideration and counsel that you deserve. Because of the current state of Glendale’s economic climate, lots of Glendale’s 442,445 individuals and Glendale’s 146,643 households have found it tough for making ends meet and may use some form of debt relief.

There are a number selections when choosing who may be the perfect bankruptcy lawyer for you in Glendale, Arizona. There are also a lot of reasons you will have for seeking out the help of a Glendale AZ bankruptcy law firm. If you are looking for the top bankruptcy attorney, please call our bankruptcy attorneys and see how we can assist you through your present financial situation. We provide Cost-free personal bankruptcy consultations daily along with evening and weekend visits. Our prices are some of the most cost-effective in all of Arizona, additionally, we have payment plans for every spending plan. Call our Glendale bankruptcy attorneys today. We look forward for the chance to help you.