Get a fresh start through our $0 Down Bankruptcy filing services with your local Chandler bankruptcy lawyers. If the best method of debt relief for you is bankruptcy, our attorneys can file with zero money down.  With zero money required out of pocket to start getting out of debt, and no payment necessary to file bankruptcy, My AZ Lawyers can help you end wage garnishment, harassment from creditors, home foreclosure, and vehicle repossession.  Bankruptcy protection provides Chandler residents with a clean financial slate.We can help you eliminate debt.

Missing monthly payments or simply paying the minimum amount due causes many of our clients to get sucked deeper and deeper into debt. The debt cycle is stressful.  Not only does overwhelming debt affect a person’s finances, but it has a great impact on their mental and physical health, relationships, and both their personal and professional life. For anyone who is not in a financial position to retain an attorney, but desperately needs help to break the debt cycle, our $0 down bankruptcy program may be the perfect solution for you.

If you are unable to collect the up-front retainer legal fees, you may qualify for our $0 down program.  Zero money down to retain an experienced Chandler bankruptcy lawyer who dedicate themselves to protecting your rights.  Zero money down to get out of debt.


Contact My AZ Lawyers at Chandler Bankruptcy Law Firm to schedule your FREE initial consultation and debt evaluation. We provide education regarding our $0 down program, affordable payment options, and the benefits offered through filing a Chapter 7 or Chapter 13 bankruptcy. Whether you want to save your home, lower interest rates, or eliminate credit card debt, we can help you find a solution.

Each client and their financial situation is unique, so consulting with a qualified attorney is the best way to discover new strategies for debt reduction and elimination. Our bankruptcy lawyers can help you pinpoint the root of your debt issues along with your financial goals.

To summarize, scheduling an appointment is free.  The initial consultation with an attorney is free.  Contacting our law office with questions about $0 down bankruptcy is free.  Don’t wait any longer – take the first step toward a new financial beginning and contact our  Chandler bankruptcy lawyers today. We offer professional advice, expert guidance, and excellent legal representation!


At our beginning, Chandler Bankruptcy Law Firm was the same as any other law firm in that we required clients to pay their balance in full before we filed their bankruptcy case. While this protected our attorney’s fees, it was not in the best interest of our clients, especially since most were facing foreclosure, repossession, or wage garnishment. As part of our commitment to excellent service, we implemented the Zero Down Bankruptcy policy for those filing Chapter 7 Bankruptcie throughout Chandler, Gilbert, and Maricopa County, AZ. Helping our clients find effective debt relief solutions is our top priority!


In a Zero Down Bankruptcy, you will pay both your $338 court filing fee and your attorney’s fees in installments after your case is filed. We are able to offer this option through a process called bifurcation. To bifurcate your case, we will first file a skeleton petition (quick version of your full petition, just the “bones”) free of charge. This activates bankruptcy’s automatic stay of protection, preventing wage garnishment and repossession.

Debts incurred after this date won’t be discharged in the bankruptcy. However, you will still need to submit your full petition within 2 weeks of filing your skeleton petition. In a Zero Down Bankruptcy, you will be charged for the services completed between your skeleton petition being filed and your case being discharged. This allows us to finance your fees without the debt to us being discharged.



Zero Down Bankruptcy is beneficial to anyone who won’t be able to save up the money to pay an attorney in full before filing bankruptcy, especially those with upcoming repossessions or wage garnishments. If your wages are being garnished, you can start paying for your bankruptcy after your creditors stop taking 25% of your paychecks.

Another benefit to our Chandler Zero Down program is credit reporting. Your payments will be reported, helping boost your credit score after your bankruptcy is filed.



You get to decide what your payment plan looks like in a Zero Down Bankruptcy. You will have one year after filing to pay off your balance at 0% interest. This can be down in weekly, bi-weekly, or monthly intervals. You can even choose which day of the month your payments are run, with the first payment being within 30 days of your filing date.  Our Chandler Debt Relief Team have filed thousands of successful bankruptcies in Chandler, Maricopa County, and throughout Arizona.  We can help you get the “Fresh Start” that you are seeking.



Yes- your credit score will not be used to determine your eligibility for our $0 down program. We don’t use credit to determine $0 down eligibility since many people considering bankruptcy don’t have the best credit. Bankruptcy is a tool to help rebuild your credit, so bad credit shouldn’t be a barrier to filing.  Contact our experienced Chandler Bankruptcy Lawyer today for further assistance.


First of all, you will need to qualify for a Chapter 7 Bankruptcy before you can qualify for our $0 down program. There are two ways to qualify.

The first is by making less than your state’s median income. This number goes up when you add family members, but their income will count as well. You can also use the Means Test if you don’t qualify through your income level.

If your income is too high to automatically qualify, the Means Test averages your last six months of income and subtracts mandatory, court-approved payments. This calculates your disposable monthly income. If your disposable monthly income isn’t high enough to pay your debts, you will be approved for a Chapter 7.

Qualifying for our $0 down program is much simpler. Is your income $2,000 or more per month? You qualify. If you are 62 or older, you may qualify through the Silver Program. You will be able to utilize our $0 down program if your payments won’t be more than 10% of your monthly income.


There are five steps to getting filed in our $0 down bankruptcy program- how long they take depends on you.

1.       Consult with one of our staff members to determine if you qualify for Chapter 7 Bankruptcy and our $0 down program.

2.       Submit copies of your paystubs, social security card, and driver’s license.

3.       Fill out a client information form.

4.       Sign our fee agreement.

5.       Take an online credit counseling course (about an hour).

Our Arizona Zero Down Bankruptcy attorney will then file your skeleton petition for you, and you will need to provide the rest of the documents needed for your case within 2 weeks. Your attorney will likely set an earlier deadline so they have time to draft and review your petition. You will need to have $300 or less in your bank account ($600 for married filers) on the day that you file. We may even be able to file your case same-day in certain situations.


There are a few drawbacks to filing Zero Down Bankruptcy. We offer discounts for paying in full before your case is filed, so you won’t be able to take advantage of those if you use the $0 down program. Some clients choose to pay in full because they are uncomfortable with already having a debt to repay immediately after the rest of their debts are discharged. Payments in your $0 down bankruptcy will be credit reported, helping your score rise if you make your payments. However, if you fail to make your payments, this will be credit reported as well, causing your score to fall.

If you are still unsure about Zero Down Bankruptcy, one of our experienced staff members can help you weigh the pros and cons for your specific situation. We offer free phone consultations so you can determine your eligibility without even leaving your home. Call to set up your free consultation today.