Chapter 7 Bankruptcy
Chapter 7 is the most common form of bankruptcy filed in Phoenix and throughout Arizona. It is also typically the fastest and least expensive type of bankruptcy to file. If you qualify for Chapter 7, you could see the eradication of the majority of your debt, including credit card debt, in six months or less.
Do You Qualify for Chapter 7 Bankruptcy?
At the Law Offices of Phil Hineman, we can help you determine if you qualify for Chapter 7 debt relief. This is determined based primarily on your gross income. However, if you don't qualify for Chapter 7 there is also the option of filing Chapter 13 to overcome your debt.
You have the right to feel confident about the steps you are taking. With more than 20 years of experience fueling the advice we provide, you can be confident that all of your options will be carefully explained to you and that your goals will be kept in mind throughout the legal process.
Stop Creditor Harassment
When you file bankruptcy, federal law provides that creditors will be prohibited from contacting you immediately upon filing. This is known as the "automatic stay." This stay temporarily stops creditor calls and collection efforts. Once a Chapter 7 bankruptcy is underway it can also prevent:
Of course, you don't simply want to stop these actions. You want to keep your car. You want to keep your house. As long as your payments are current on these, or you are able to catch up by the time of filing, you will, most likely, be able to keep those items.
Contact Us for a Free Consultation and Fast Action
Our firm has been assisting residents in the Phoenix metro area and throughout Arizona for over 20 years. When creditor harassment becomes constant, and the threats of repossession and foreclosure are becoming more serious, you want immediate action. Contact us and you will get the assistance of an experienced attorney who will act fast on your behalf.
