Yuma Bankruptcy Lawyer
Reliable Legal Counsel Guiding You to a Brighter Future
It can be difficult to accept that your debt has grown out of control. If you are like most people, you may find it hard to believe that you can’t take care of it on your own. Still, the facts are there. After you use your income to cover your costs of living, you simply don’t have enough to pay off your bills. The longer you wait to do something about it, the more overwhelming your debt becomes. That’s why you need to take action now.
At the Law Office of Phil Hineman, P.C., we understand that nobody wants to file bankruptcy. However, you also don’t want to continue having to deal with the harassing phone calls and letters from creditors. You don’t want your house foreclosed, your car repossessed, and your wages garnished, either. Bankruptcy is your weapon to stop all of these actions that creditors may take against you. Bankruptcy is a tool designed to help you overcome your debt and get you back on track.
Your Bankruptcy Filing Is Much More than Document Preparation
When you enlist us to help you overcome your debt, you receive personal attention from an attorney with more than 28 years of experience serving people in Yuma, the Phoenix metro area, and throughout Arizona. We are not a document preparation shop. We are a law firm that will work with you to help you understand your options. We will remain by your side throughout the process. We will follow through to see that your case is resolved completely.
We handle the following forms of debt relief:
- Chapter 7: If you pass the “means test,” determined by income, you can get quick relief by discharging eligible debt such as credit card balances and medical bills.
- Chapter 13: If you earn too much money for Chapter 7 or have a major asset like a home you want to hold onto, you can still get significant relief through a Chapter 13 repayment plan, which reduces your monthly bills and discharges certain debts.
- Chapter 11: If you own a large business, Chapter 11 may help you reorganize debts and help you stay open when making payments to creditors.
- Subchapter V: If you own a small business, you may be able to reorganize your debts. This is a subchapter of Chapter 11, used to help business owners get out of debt.
As soon as a bankruptcy is filed, an automatic stay goes into effect, temporarily stopping the following actions:
Imagine the peace of mind when creditors stop calling. However, that is just the beginning of the relief you can obtain by finally taking charge of your indebtedness. Time is critical in bankruptcy cases and the sooner our Yuma bankruptcy attorney can get started, the more options we have at our disposal.
We offer legal services in English and Spanish. Contact us online to discuss your financial situation.
He aggressively, but tactfully, fought for my voice to be heard in court and he went the extra mile.- David K.
I highly recommend them if you need to file bankruptcy.- Bob R.
Mr. Hineman was very helpful.- Walter R.
If you're in trouble, do not hesitate to call on Mr. Hineman's help.- Kristian H.
If you want a fantastic lawyer, Mr. Hienman is your man.- Belinda G.
Over 30 Years of Legal Experience
Wide Range of Legal Services Available
Results-Driven Legal Strategies
Retired Judge Advocate & Proud Veteran
Compassionate & Responsive Service
Phil Hineman has been providing bankruptcy, family law, and criminal law services for the community for over 25 years. Reach out to discuss your case today.