FAQ (Frequently Asked Questions)

Here are just a few of the most common FAQ Mesa bankruptcy questions.  Our experienced lawyers and staff have the experience to help guide you through the bankruptcy process from consultation to discharge.  Do not hesitate to contact us with any FAQ Mesa Bankruptcy inquiries that you may have.

What is the difference between a Chapter 7 Bankruptcy and a Chapter 13 Bankruptcy?

A Chapter 7 is a liquidation bankruptcy.                                  

A Chapter 13 is a debt consolidation.

Does your Mesa bankruptcy law firm handle both Chapter 7 and Chapter 13 cases?

Yes, our Mesa bankruptcy law firm represents both chapter 7 bankruptcy and chapter 13 bankruptcy clients.  To determine what chapter might be the best fit for you, please contact one of our Mesa bankruptcy attorneys for advice at a free consultation.

What does the term discharge mean?

It is an order from the Court releasing you from any obligation to pay your debt. It also prohibits the creditors listed on your bankruptcy petition from taking any further action to collect on those debts?

Does filing a Chapter 7 Bankruptcy get rid of all of my debt?

Some taxes, student loans are not able to be discharged in a bankruptcy.  If you are divorced and have child support and alimony they are also examples of the types of debts that are not discharged in a Chapter 7. Credit card debt, personal loans, medical bills are examples of the types of debt that are completely discharged.

What is are the fees involved in filing a Chapter 7?

The bankruptcy court filing fee for a Chapter 7 is $335.00.

Will the filing of a Chapter 7 stop my wages from being garnished?

A really good FAQ Mesa bankruptcy. When you file for Chapter 7 protection one of the great advantages is that an automatic stay takes affect as soon as the case is filed. The automatic stay prohibits any of your creditors from taking any steps towards collecting a debt, including garnishing your wages.

If I have filed a Chapter 7 previously how long do I have to wait before I can file another one?

If you have previously been discharged in a Chapter 7, you must wait eight years from the date of the filing of the previous case.

Is it a good idea to deal with a collection agency?

No.  Collection agencies can trick a debtor with false promises to remove a company from a credit report when they have no authority to do so.  They can drain a checking account when a debtor pays by check over the phone, leaving the debtor with no recourse.  Collection agencies receive their fees from monies collected and they will try every tactic to get a debtor to pay.  An attorney can deal with credit collectors and offer relief to the client from harassing collection actions.

Will a person lose everything in a bankruptcy?

No.  Many clients retain their homes, certain assets and other properties.  Get your FAQ Mesa bankruptcy questions answered by our attorneys as they are skilled bankruptcy lawyers and understand the laws concerning bankruptcy.  Some assets including pensions, education funds, insurance, public benefits, tools of the trade, and certain wages are exempt from bankruptcy.  A Mesa AZ bankruptcy attorney can review the assets of the client and advise the client on the proper steps to take for retention of certain real property and assets.

FAQ Mesa Bankruptcy Lawyers

Many people have FAQ Mesa bankruptcy questions.  If you need answers, we are here to help.  Have questions about chapter 7 bankruptcy or chapter 13 bankruptcy?  Need answers to debt relief or bankruptcy filing in Mesa, Arizona?  Contact our experienced bankruptcy attorneys today for a free consultation and get your FAQ Mesa Bankruptcy questions answered.  You deserve a fresh start and our lawyers and staff will get you on the way.

DISCLAIMER: The information you obtain at this Arizona Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Phoenix lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Arizona Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.  Thank you for visiting our Phoenix debt relief web site about a Mesa Chapter 7 bankruptcy lawyer.

Our Mesa bankruptcy Lawyers are located in Mesa, Arizona, Phoenix, Arizona, and serve bankruptcy clients in Mesa, Scottsdale, Phoenix, Glendale, Gilbert, Queen Creek, Tempe, Chandler, Pleasant Valley, Avondale, Cashion, Casa Grande, Surprise, Prescott, Marana, Tucson, East Mesa, West Mesa, Fiesta Mall Area, Dobson Ranch, Las Sendas, San Tan Valley, Superstition Springs, Signal Butte, Alma School Road,  El Mirage, Peoria, Sun City, Sun City West, Tolleson, Youngtown,  Flagstaff as well as Pima, Pinal, and Maricopa County.