THE $0 DOWN ARIZONA BANKRUPTCY ADVANTAGE
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.
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.
FREE DEBT EVALUATION AND CONSULTATION
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!
$0 DOWN CHANDLER BANKRUPTCY
YOU DON’T PAY A CENT UNTIL YOUR CASE IS FILED!
Low Fee Guarantee
CHANDLER ZERO DOWN BANKRUPTCY ATTORNEYS FREQUENTLY ASKED QUESTIONS – FAQs
ANSWER:
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.
CONTACT AN EXPERIENCED CHANDLER ZERO DOWN BANKRUPTCY ATTORNEY
ANSWER:
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.
CONTACT AN EXPERIENCED CHANDLER ZERO DOWN BANKRUPTCY ATTORNEY
ANSWER:
CONTACT AN EXPERIENCED CHANDLER ZERO DOWN BANKRUPTCY ATTORNEY
ANSWER:
ANSWER:
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.
ANSWER:
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).
ANSWER:
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.