HOW TO FILE CHAPTER 7 BANKRUPTCY IN ARIZONA
Before filing for a Chapter 7 bankruptcy, you must first determine if you are eligible and have met the following requirements:
- You must pass the Arizona Means Test
- Also you may not file if you have received a Chapter 7 discharge in the last 8 years.
When you are ready to file a Chapter 7 bankruptcy with your bankruptcy attorney, you will need to prepare all the required information about your current debt, property owned, and finances. We know that each case is unique and has different information to bring to the table, so we are prepared to help you gather all the information necessary to fully complete your Chapter 7 bankruptcy filing process.
You are never alone in this process! Our experienced debt relief attorneys at our Chandler Bankruptcy Law Firm will help you gather and prepare all the bankruptcy documents and meet the filing deadlines. We walk with you every step of the way to ensure the Chapter 7 bankruptcy is filed correctly and thoroughly in Chandler, Arizona.
Customer service matters to us. You can expect our Chandler bankruptcy attorneys and staff to give clear communication from start to finish so that you always know what to expect next and what is expected of you. We want you to feel confident and comfortable with the experience, so our large staff of lawyers are easily reached by phone, email, or at our Chandler bankruptcy law office.
Chandler Chapter 7 Bankruptcy Attorneys FAQs
The first step to filing bankruptcy is consulting with an attorney to make sure you qualify. Using the Means Test or through analyzing your income, the attorney will be able to determine if you are eligible to file a Chapter 7.
After determining that you qualify to file, you will need to prepare and submit all the necessary documentation to your attorney, including 2 years of tax returns, 6 months of paystubs, your driver’s license, social security card, bank statements, any recent divorce or child support documents, vehicle registrations, and any judgements currently against you. My AZ Lawyers are prepared to help you gather anything that is pertinent to your case, and can walk you through the client intake form and list of the value of your belongings. You are also required to complete an online credit counseling course.
Once you have submitted your documents, your attorney will draft your petition. You will have a meeting with your attorney to review and sign the petition, and then begin preparing for your 341 Meeting of Creditors. The attorney will then file the petition for you, and shortly afterward you will receive a letter from your trustee informing you of the court date. They will also request additional documentation from you at that time, which should be sent to your trustee as quickly as possible.
ANSWER:
You will need to pay for two credit counseling courses, which start at $15 each. Court filing fees are typically $335, but your legal representation fees will vary depending on the attorney. Attorneys cost more in some geographic areas. Those with more experience typically charge higher fees, and the complexity of your case will also have an impact on the cost.
ANSWER:
Many states allow you to redeem your foreclosed home if you pay the full balance back to whomever purchased your home, along with any other necessary costs. Check with your attorney to learn what is required by your state.
You will be eligible for an FHA loan two years after filing for Chapter 7 bankruptcy in Arizona.
$0 DOWN CHAPTER 7 BANKRUPTCY PAYMENT PLANS
When facing a financial situation that requires emergency bankruptcy filing, chances are high that you do not have the funds to retain an attorney. If you need to file emergently to end garnishment, repossession, or foreclosure, our Chandler Bankruptcy Lawyers can help, even if you do not have any money up-front to pay for filing a Chapter 7. How? If you qualify for our $0 down Chandler bankruptcy payment program, you pay no money down. Any remaining fees are accounted for through an established monthly payment schedule. Take advantage of your FREE consult with our Chandler and Gilbert bankruptcy lawyers!Call our Arizona Ch 7 Attorneys today (480) 833-8000.
How to Know If Chapter 7 Bankruptcy is Right For You
- Chapter 7 erases most, if not all, debt.
- You can start fresh with a clean financial slate.
- When you are facing wage garnishment.
- If you are facing harassment over the phone from creditors.
- When you are dealing with harassment from people attempting to collect debt.
- A Chapter 7 may help save your home from foreclosure.
- You may be able to keep exempt property by filing a Chapter 7 bankruptcy.
- Filing a Chapter 7 typically puts a stop to vehicle repossession.
- bankruptcy stops utility service shut-off
- You can use Chapter 7 bankruptcy to get rid of credit card debt.
- A Chapter 7 filing erases medical debt.
- Regain control over your finances and find debt relief.
- End the stress and sleepless nights brought on by debt.
- Get yourself a “Fresh Start”. File chapter 7 bankruptcy.
