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Successful bankruptcy protection requires qualified Mesa bankruptcy attorneys.
The complexities of Chapter 7 and Chapter 13 protection requires exceptionally qualified Mesa bankruptcy attorneys from Legal Helpers. Our Mesa bankruptcy attorneys handle only consumer bankruptcy cases and understand both federal law and the state of Arizona exemptions and regulations. Chapter 7 and Chapter 13 are very complex legal processes and require skilled Mesa bankruptcy attorneys to make sure that you get all the protection you are entitled to, under both state and Federal jurisdictions. Instead of burying yourself further in debt, it just may be time to look into bankruptcy. Legal Helpers can help you down the road to financial freedom.
Legal Helpers' Mesa bankruptcy attorneys can explain the differences between Chapter 7 and Chapter 13 and how you choose?
Click here for our Free Legal Evaluation Form to see how we can help you.
When you hire Legal Helpers' bankruptcy attorneys they will analyze your finances and determine which process is best for your individual case. Once our Arizona bankruptcy attorneys determine the best option for you, they will explain all the details, give you a guaranteed fee range and help you select a flexible payment option.
A Chapter 7 bankruptcy is designed for debtors who have no significant equity built up in their property, very low income and a lot of unsecured credit card and/or medical debt. In a Chapter 7 your Legal Helpers' Arizona bankruptcy lawyers would file a Voluntary Petition and related documents. You and your lawyer will attend a 341 meeting of creditors where you will be examined by a Trustee regarding the petition and documents you had submitted. In a Chapter 7 you do not make payments to the Trustee. You may continue to pay a mortgage or car loan and keep the house by signing a "reaffirmation agreement". The Chapter 7 process is relatively short - lasting about three and a half months from filing to discharge. There are usually no motions filed by anyone - though it is still a very complex process and requires experienced help.
A Chapter 13 is designed for debtors who have a steady income. In a Chapter 13 you make payments to the Trustee with the first payment due thirty days after your case is filed. In addition to the Voluntary petition and related documents, similar to a Chapter 7, you also file a Chapter 13 repayment plan where you propose to make from thirty to sixty payments to the Trustee. In addition to the 341 meeting of creditors you also have a "confirmation hearing" where your case goes before the Judge. Your attorney can represent you at this meeting, where creditors can file objections. After your case is confirmed, you must make monthly payments until you receive your discharge.
Legal Helpers has represented thousands of Chapter 7 and Chapter 13 clients and is a fixture in courtrooms throughout Arizona and the United States.
Legal Helpers - offering outstanding attorneys and a one-stop resource center
To try and help our clients, in addition to a full staff of exceptionally qualified attorneys, our web site offers an in-depth library of critical information any informed citizen should know. We provide a review of the benefits of both Chapter 13 and Chapter 7, an explanation of the pitfalls of debt consolidation, a study on student loan defaults and updates on the various laws. In addition, we offer our clients sound legal and financial advice on how to avoid going into debt again as well as a list of lenders who can help them start over. We are concerned about our clients now and look to help them in the future.
Use our free legal evaluator to see if you should contact Legal Helpers