Glendale Chapter 13 Bankruptcy Attorneys
Chapter 13 lawyers in Glendale, AZ will tell you that filing chapter 13 does not simply erase all of your debt like a chapter 7 bankruptcy. Bankruptcy is not only for people with little or no income. If your current debt outweighs your ability to pay, you can seek relief through Chapter 13 bankruptcy. Specifically, this option allows individuals, couples, and families in Glendale, Arizona who are not qualified for chapter 7 bankruptcy an opportunity to get their debts under control by filing for chapter 13 bankruptcy protection.
Our Glendale chapter 13 bankruptcy attorney and staff can assist you in many ways. Read on to see what we can do for you. We have filed thousands of bankruptcies for people in Glendale and Maricopa County throughout Arizona. Most importantly, our chapter 13 bankruptcy experience matters when seeking debt relief or filing for bankruptcy protection in Glendale, Arizona.
We understand that people needing to file bankruptcy usually don’t have a lot of money to pay up front. We structure the fees that we charge for bankruptcy making it easy for you to file for either chapter 7 or chapter 13 bankruptcy protection with little money down in attorney fees. Additionally, if you cannot afford to pay your bankruptcy filing fee, we file a motion with the Bankruptcy Court (at no charge to you) allowing you to make installment payments for your filing fee. Consult our Glendale Chapter 13 bankruptcy lawyer for additional information regarding how we may assist you with your filing fee expenses.
Reasons You Should Choose Our Chapter 13 Glendale Bankruptcy Lawyer:
- FREE Consultations with an attorney.
- We offer payment plans for EVERY budget.
- You will be debt free.
- We have filed thousands of bankruptcies for people in Glendale, Peoria, and Arizona.
- We will get you through the process so that all your debts will be eliminated.
- Our rates make filing for bankruptcy affordable.
- We have flexible hours.
How Much Would My Chapter 13 Payment Be in Glendale, AZ?
Our Glendale Chapter 13 Lawyer can help you figure out what your chapter 13 repayment. The amount is made up after considering several variables. Everyone’s circumstances are different.
Additionally, debtors in Peoria and Glendale who file bankruptcy petitions under Chapter 13 all have different incomes. Some of these filers are married, some are single. Plus, the household size of a person filing chapter 13 bankruptcy protection may vary with the number of children in the home or if aging parents are being cared for in the home. Thus, a chapter 13 professional should evaluate your case.
To figure a payment, the household budget must be accounted. This budgets may include house payments, utilities, food, clothing, medical expenses, and a number of other expenses unique to each debtor. Most importantly, each chapter 13 plan payment is based on the ability of the debtor to pay something to his or her creditors based on actual financial circumstances present in the debtor’s life at the time of filing Chapter 13.
Before any case is filed, our Glendale chapter 13 attorney will gather budgetary information. This information will be calculated to determine minimum payment requirements for the debtor, all based on income, household size, and unique budget requirements. This magnifies the importance of an experienced bankruptcy lawyer with chapter 13 experience.
The Chapter 13 Bankruptcy Advantage
In addition, Chapter 13 bankruptcy is not as sweeping as Chapter 7 bankruptcy, but it has advantages such as being able to catch up on delinquent mortgage payments and student loan payments over a period of up to 60 months. For example, in chapter 13 bankruptcy, we work out a payment plan in which you pay back a portion of the overall debt.
Additionally, payments in a chapter 13 are based on your ability to pay, rather than the amount owed. Also, chapter 13 payments are usually made over a period of three to five years. At the end of this time, your remaining debt is then canceled. Furthermore, filing chapter 13 in Glendale, Arizona can help you get your debt under control.
Contact chapter 13 lawyers in Glendale. My AZ Lawyers is an affordable chapter 13 option for you. Contact our lawyers today.
FREE Same Day Bankruptcy Consultations
If you are struggling with your finances, filing bankruptcy in Glendale, AZ may be the debt relief option that you are seeking. Also, if you are in a situation where you have few assets and no savings; the only option to alleviate your debt may be to file for bankruptcy.
Lastly, you can protect your home and other assets in a Chapter 13 bankruptcy. That is to say, Chapter 13 bankruptcy stops mortgage foreclosure and allows you to keep non-exempt property (in addition to exempt property). Therefore, under Chapter 13 we determine a new repayment plan and the person filing for bankruptcy is able to keep their assets while continuing to repay the debt. By all means, contact a reliable Chapter 13 Bankruptcy attorney in Glendale and Peoria, Arizona today.
“How can bankruptcy benefit me?”
Filing for bankruptcy assists an individual or company in three main ways. Bankruptcy can:
- Wipe out credit card debt, medical bills, and other unsecured debt.
- Stop creditor harassment and collection activities.
- Eliminate certain kinds of liens. A lien is a creditors right to take your property if you can’t make payments.
Chapter 13 Lawyers in Glendale, Arizona call (623) 640-4945 for a FREE CONSULTATION