Arizona’s Leading Bankruptcy Attorneys

Get A Fresh Start With The #1 Bankruptcy Law Firm Near You

Stop Garnishments the Same Day for $0
Stop Lawsuits & Foreclosures Immediately
One call, same day filing at no extra charge

We File Your Bankruptcy For Free

Dealing with Unmanageable Debt?

Get a Fresh Start With Our Arizona BK Lawyers Today

Our Qualified Debt Relief Attorneys Will Help You Decide Which Type Of Bankruptcy Is Right For You

Facing a mountain of debt can bring crippling fear, overwhelm, and anxiety, overshadowing every aspect of your life and stealing your happiness. As leading bankruptcy attorneys in Arizona, Bankruptcy Law Network is dedicated to helping you take back control of your life through managing your debt, whether through a payment plan or filing bankruptcy if appropriate. We can help you understand the options available to you!

Free Chapter 7 Bankruptcy Filings In Arizona

In Chapter 7 bankruptcy, debtors find relief regardless of whether the debt is solvent or insolvent. The debtor is not required to file a repayment plan, and is guided through the process by a bankruptcy trustee.

Debtor is no longer legally responsible for their debt
No repayment plan required
A trustee converts the debtor’s assets to cash for distribution
Covers credit card balances, medical bills, and personal loans
Impacts the debtor’s credit score for 10 years
Debtor can apply for a mortgage within 2 years or less of filing bankruptcy

File For Chapter 13 Bankruptcy

A Chapter 13 bankruptcy is used in specific circumstances including for debtors who have previously filed bankruptcy, those who earn more income than the mean income for the state of Arizona, or if the debtor wants to discharge marital debt.

Chapter 13 discharges debts that do not qualify in Chapter 7 bankruptcy
Beneficial for debtors facing aggressive student loan collectors
Debtors can keep non-exempt assets including rental home or equity
Requires a repayment plan to be submitted
Remains on the debtor’s credit record for 7 years
Ideal for those who have filed bankruptcy sometime in the previous 8 years

3 Signs That It’s Time For a Fresh Start Through A Bankruptcy Filing

1

Creditors Or Debt Collectors Are Constantly Calling & Harassing You

It can be difficult enough to conquer debt on your own, let alone have creditors and collection agencies breathing down your neck. You deserve better than daily phone calls and letters from collectors harassing you about your debt! If this describes you, it may be time to schedule a free consultation with our Arizona bankruptcy lawyers at Bankruptcy Law Network.
2

You’re Behind On Credit Card, Loan Or Mortgage Payments

Once you fall behind on the required monthly payments for a credit card, medical bill, or mortgage loan, it can be essentially impossible to get caught back up. The payments continue to pile up while the interest increases exponentially, and soon you are buried under a mountain of debt. Our bankruptcy attorneys near you in Arizona can help you find the best solution, at no cost to you.
3

You’re Struggling With Garnishment, Lawsuits, Judgments, Repossessions, & Foreclosure Notices

Making ends meet and paying the daily bills while also dealing with wage garnishment, lawsuit, repossession, or foreclosure can be virtually impossible. You have lived with this burden long enough! As experienced Fresh Start bankruptcy attorneys, we can help you find a debt-free life and start over with your finances. Contact our lawyers today to learn about the debt solutions available to you!

Considering Filing For Bankruptcy In Arizona?

Contact Us Today

Bankruptcy Is a Fresh, New Beginning, Not An Ending

Get A Fresh Start

A Clear, Government Approved Process That Can Give You a Fresh Start
Without Bankruptcy, Debt Could Haunt You & Your Family For The Rest Of Your Life
Bankruptcy Is Not a Badge Of Dishonor,
It Is a Constitutional Right

While bankruptcy is not the answer for everyone, it can provide the fresh start you need to eliminate debt and provide for your family and their needs. There is no need to feel ashamed or embarrassed! Our Fresh Start lawyers are on your side to make the process easy and painless.

Our Bankruptcy Law Firm’s Process

1

Register Today For As Low As $200 A Month

Our Fresh Start law firm has the lowest bankruptcy fees in the state, but you can still expect high quality service from start to finish.

2

We’ll Take Care Of All Payments, Including The Registration Fee

Compare our service and zero down bankruptcy program to any other attorney in Arizona, and you will see that we are the most affordably priced.

3

Get A Fresh Start Through A Chapter 7 Or 13 Bankruptcy Filing

Our bankruptcy lawyers will help you determine if Chapter 7 or Chapter 13 bankruptcy is the best solution for your financial situation.

Why Choose Our Arizona Bankruptcy & Debt Relief Lawyers

Professional Legal Counseling To File For Bankruptcy & Deal With Unmanageable Debt

Results-Driven Legal Representation For Chapter 7 & Chapter 13 Bankruptcy Filings

When you choose Fresh Start Bankruptcy Attorneys to help you overcome crippling debt, the hardest part is the first step to make the call. We understand the vulnerability and courage it takes to ask for help, so we try to make the process simple and stress-free.

When you need us, our bankruptcy attorneys are here. You don’t have to struggle with debt alone! We offer totally free consultations 7 days a week, at convenient locations across Phoenix. Our attorneys are on your side!

Legal Counseling Regarding Life After Bankruptcy & How To Gain a Fresh Start

One of the best things about working with a Fresh Start attorney is that we are with you every step of the process and beyond. From the moment you reach out to us seeking a solution, to life after bankruptcy, our team is ready to offer guidance, support, and sound counsel.

We don’t simply help you file bankruptcy and then leave you to figure out the rest. Instead, our attorneys help you make a plan for the future, to ensure your fresh start extends beyond the case filing.

Couple Getting Legal Consultation With Lawyer Regarding Bankrutcy

Skilled Bankruptcy Attorneys Providing Bankruptcy Services In Phoenix And Tucson

Skilled Bankruptcy Attorneys With Years Of Experience Serving Phoenix & Tucson Residents

Many bankruptcy law firms try to take advantage of your financial situation by pressuring you into a quick decision. Our law firm is different! Each of our fresh start bankruptcy attorneys in Phoenix offer a free consultation where you can take time to learn about the options available to you. We have years of experience counseling clients facing all types of debt!

Need a Fresh Start?

What Happens If You File For Bankruptcy?

Benefits Of Filing For Chapter 7 or Chapter 13 Bankruptcy In AZ

While eliminating debt is one of the biggest benefits of filing for bankruptcy, there are actually many advantages to consider. Consumers who are eligible for Chapter 7 bankruptcy may be discharged from most unsecured debts such as credit card debt, medical bills, and gas card debt. Debtors who file for Chapter 13 bankruptcy are allowed to keep property and repay their debts over time, at a more affordable rate. Visit with our attorneys to learn more!

Unsecured Debts Can Be Minimized Or Eliminated With Bankruptcy

Credit Card Debt, Medical Bills, & Other Debts Can Be Minimized Or Eliminated

In a Chapter 7 bankruptcy, unsecured debts can be completely eliminated. This includes credit cards, gas cards, medical bills, and more. A bankruptcy trustee will be appointed to gather and sell your assets to help repay your creditor, and give you a fresh start. A Chapter 13 bankruptcy allows you to restructure your debt repayment.

Filing For Bankrucpty Can Help Stop Wage Garnishment, Foreclosure And Reposessions

Stop Wage Garnishment, Foreclosure, Reposessions & More

We can stop your wage garnishment or repossession on the first day, without it costing you a single penny. The process is quick and simple, and we are ready to advocate for you from the moment you choose to take the next step forward. Don’t hesitate to reach out to our Fresh Start lawyers in Phoenix!

Filing For Bankruptcy In Arizona Helps Put A Stop On Creditors And Debt Collectors

The Court Issues An Automatic Stay Of Bankruptcy That Halts Creditors & Debt Collectors

Immediately after a bankruptcy case is filed, the court issues an automatic stay against creditors. The automatic stay immediately halts all types of collection efforts including phone calls, garnishment, foreclosure, repossession, and harassment from collectors. It is a fundamental protection for debtors designed to give them a break from the pressure of collection efforts.

Our Clients’ Testimonials

Arizona Bankruptcy Attorneys With 5-Star Rated Reviews

Easy process and we filed the same day. What a difference it has made in our life. We started rebuilding our credit the very next month with their payment plan! I’m happy, my husband is happy, and we owe it to Bankruptcy Law Network.

100% Guaranteed Client Satisfaction

Sara Finch | Phoenix, AZ ★★★★★

“ Thank you so much! I wish I had contacted them sooner. The stress prior to the BK is way bigger than the actual filing. I truly appreciate their help and will recommend them to anyone who needs their help!

Bryan Stevenson - Phoenix, AZ
★★★★★

“ The legal team at Bankruptcy Law Network really DID give me and my family a fresh start. It’s amazing how fast debts can pile up when you least expect it. Thank you so much everyone!

Carol Johnson - Phoenix, AZ
★★★★★

Frequently Asked Questions About Bankruptcy Law

What Is Bankruptcy?

Bankruptcy is an action taken by individuals who owe money to creditors and can no longer continue to make their payments. It liquidates most of their debts and restructures the remaining payment plan to give them a fresh start.

What Are The Requirements To File For Bankruptcy?

In order to file bankruptcy, your income must be less than the median income for Arizona for your family size, or you must pass the Means test. The Means test is based on your income and expenses, and uses a formula to determine who may qualify to file bankruptcy.

Will Filing For Bankruptcy Stay On My Public Record?

Bankruptcies are considered public record, but are not advertised. Anyone can call the court and ask if you have filed bankruptcy, but filings are not published in a newspaper for all to see. The only people notified of your bankruptcy are your creditors or anyone you choose to tell. The duration of time that a bankruptcy will appear on your credit report largely depends on the type of bankruptcy you file. There are two primary types of bankruptcy for individuals: Chapter 7 and Chapter 13.

Is My Business Going To Be Affected If I File For Bankruptcy?

It depends on the type of business you own. Some corporations are independent of their owners, which means that a personal bankruptcy filing will not affect the business itself. However, it can affect a partnership claim. Discuss your concerns with your attorney!

Will Chapter 7 Or Chapter 13 Bankruptcy Affect My Credit Score?

Yes, filing either type of bankruptcy will have a negative impact on your credit score. A Chapter 7 bankruptcy remains on your credit reports and affects your credit scores for 10 years, while a Chapter 13 bankruptcy affects your reports and scores for 7 years.

How Can I Avoid Losing My House Or Car During Bankruptcy?

In most situations, debtors who file bankruptcy will get to keep their house and vehicle if they are current with the loan payments. In a Chapter 7 bankruptcy, you will continue making payments on the house or car.

Which Assets Are Protected Under Bankruptcy Exemption Laws?

There are a variety of assets exempt from bankruptcy filings including retirement accounts, unemployment benefits, money earned after filing bankruptcy, money received for alimony and child support, personal items, household goods, wildcard exemptions, and property such as your house or car.

How Does Bankruptcy Stop Creditors From Contacting Me?

Once bankruptcy has been filed, the automatic stay goes into effect. This puts an immediate stop to all collections efforts including contact of any kind from creditors, wage garnishment, repossession, foreclosure, and more.

Will Filing For Bankruptcy Affect My Spouse & Family?

As long as your spouse is not a co-signer or legally liable for any of the debts involved in your bankruptcy claim, they will not be affected by you filing for bankruptcy. Their credit score will remain the same and the bankruptcy will not show on their credit reports.

Can Bankruptcy Filings Stop A Lawsuit?

Yes, the automatic stay goes into effect against all types of collections efforts. This includes most civil lawsuits. If you have a lawsuit filed against someone else at the same time your bankruptcy case is filed, the lawsuit will be considered an asset of your bankruptcy estate.