Chapter 13 Bankruptcy Attorney in Mesa

Mesa Chapter 13 Bankruptcy Attorneys in Maricopa County

If you have a regular income but are experiencing severe debt problems, consulting with a chapter 13 bankruptcy attorney in Mesa might be the debt relief solution that you seek. The 2 most common types of bankruptcy filed under federal law are chapter 7 and chapter 13 bankruptcy.  If you are eligible for a Chapter 13, your unsecured debts, (such as credit cards), are combined and a payment plan is created based on your disposable income. You don’t have to worry about this plan as you will still have enough money left over to make payments on secured debt, such as house and vehicle payments. Chapter 13 permits you to adjust your debts, retain your assets and pay off the money you owe, normally over a 3 to 5 year period.

Some people in the Mesa, Arizona and Maricopa County area who are in need of debt relief will not qualify to file for chapter 7 bankruptcy protection.  These individuals and families are those who have too many assets. If you are currently making an income from work, you could get the relief you need by filing Chapter 13 bankruptcy in Mesa, AZ.  This form of bankruptcy can be a good option for those who have a mortgage and want to keep the property. Chapter 13 can allow you to pay off back payments over a 3 – 5 year period, and usually the penalties and high interest rates are not included. At the end of the chapter 13 bankruptcy payment period, any remaining debt is discharged. Some people have a co-signer on their property and don’t want to damage their credit, or just got behind too far through a set of circumstances and need help to get back on track. Chapter 13 bankruptcy is also called “wage earner’s bankruptcy” as it is for those who are currently making an income, either through employment or their own business.  Find out of chapter 13 bankruptcy is the right solution for your current debt relief needs.  Contact our Mesa bankruptcy law office today for a free consultation and debt evaluation.

Mesa Chapter 13 Bankruptcy Lawyers

Save your Home from Foreclosure

Filing a Chapter 13 bankruptcy is a detail-oriented and time consuming process that should only be carried out by a qualified Mesa bankruptcy attorney. Attempting to complete the requirements of a chapter 13 on your own or even with an inexperienced lawyer may result in filing mistakes and a delay of the process. To do it right, we suggest  the assistance of a law firm with a background and expertise in bankruptcy law. Our Mesa bankruptcy law firm and our Mesa Chapter 13 bankruptcy attorneys have the credentials, the skills, the resources, and the desire to look out for your best interests during the stressful time of filing for chapter 13 bankruptcy in Mesa, AZ.  Our experienced chapter 13 bankruptcy lawyers understand that sometimes filing for bankruptcy isn’t the only legal requirement surrounding financial problems and if need be we will aggressively fight for your rights against creditor harassment or unfair collection practices.  We understand that saving your home may be your main goal in filing chapter 13 and our dedicated bankruptcy attorneys will make saving your home from foreclosure a priority as we alleviate your financial worries through chapter 13 bankruptcy.

Some benefits of a Chapter 13 bankruptcy attorneys include:

• Chapter 13 can save your home from foreclosure
• Trustee payments will be less than current payments
• Chapter 13 freezes penalties and interest on past due taxes
• You can restructure your debts in a chapter 13
• In chapter 13 you make payments to a trustee instead of individual creditors
• Chapter 13 protects most loan co-signers

Filing for Chapter 13 Bankruptcy

If you are thinking of filing for Chapter 13 bankruptcy in Mesa, Arizona, please do not hesitate to contact My AZ Lawyers to learn more about your legal rights and options.  Our Mesa bankruptcy attorneys would be more than happy to meet with you to assess your financial situation to determine if Chapter 13 is a viable option for you.

To help our clients, we have same day appointments available and appointments during the evening and weekend. We work with the purpose that your phone calls will not be ignored, your questions will be answered, and your Mesa bankruptcy attorneys will stay with you throughout the entire process. Our chapter 13 bankruptcy attorneys in Mesa assist people from Mesa, Maricopa County, as well as surrounding communities in Arizona.