Yuma Bankruptcy Lawyer Helps You Overcome Your Debt
Reliable legal counsel guides 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 Offices 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 who will work with you to help you understand you 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 two primary forms of personal 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.
As soon as a bankruptcy is filed, an automatic stay goes into effect, temporarily stopping the following actions:
- Wage garnishment
- Creditor harassment
Imagine the peace of mind when creditors stop calling. But that is just the beginning of the relief you can obtain by finally taking charge of your indebtedness. However, time is critical in bankruptcy cases. The sooner we can get started, the more options we have at our disposal.
Contact our Yuma, AZ bankruptcy law firm for a free consultation and fast action
At the Law Offices of Phil Hineman, P.C., we provide immediate assistance and remain your determined advocate throughout the bankruptcy process. Call 928-257-1155 or contact us online to discuss your options with an experienced bankruptcy lawyer. We offer flexible appointments, even in the evening and on weekends, as well as free phone consultations for our bankruptcy clients.