High Quality, Low Cost Glendale Bankruptcy Lawyers

Our Glendale, Arizona bankruptcy lawyers have years of experience practicing bankruptcy in Arizona. This gives us familiarity with the laws, courts, and trustees that you will interact with in your case. One of our dedicated bankruptcy lawyers will handle your case from start to finish. We will even guide you through how to improve your credit after your case has been discharged. 

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Take your First Step to
Financial Freedom

You can take the first step towards a clean financial slate in the comfort and privacy of your own home. Use our online form or call our office to schedule your free consultation- we usually have same day appointments available! We also offer our free initial consultations by phone for your convenience.


When debts get out of control, your financial situation may seem hopeless. You may be afraid to answer your phone or check your mailbox due to creditor collection efforts. You don’t need to live with the constant stress of waiting for the repo man or a process server to come to your door. Bankruptcy may be the answer to your financial issues. 

Whether Chapter 7 bankruptcy or Chapter 13 bankruptcy is the better option for you, our low-cost Arizona bankruptcy lawyers are here to help. We can help you understand the differences between the two chapters, and how each can uniquely affect your situation. Our Glendale and Avondale offices strive to offer affordable rates for those who seek to file bankruptcy in Arizona. Feel free to compare our rates to our competitors, as our initial consultations are free. We also offer payment plans that make filing bankruptcy easier on a budget.

Retain Your Glendale Bankruptcy Lawyer

Hiring a bankruptcy attorney doesn’t need to be a complicated process. The first step is to reach out to us by phone or using our online form. We will schedule a free consultation, either in office or by phone, that works with your schedule. We will help you determine which chapters of bankruptcy you qualify for, and decide which is best for you. When a bankruptcy is carefully planned, you are more likely to achieve your best possible results. To get started, call 623-640-4945 for your free consultation. 

How does the Automatic Stay Protect Me in a Glendale Bankruptcy?

When you file your bankruptcy petition, the Automatic Stay goes into effect. The Automatic Stay freezes your assets, which means your creditors can no longer continue with collection efforts. Wage garnishments, bank levies, vehicle repossessions, home foreclosures, creditor calls, and more, must stop once your petition has been filed. With limited exceptions, the Automatic Stay lasts until your case is discharged or dismissed. In a Chapter 7 bankruptcy, this is generally about 4 to 6 months. A Chapter 13 bankruptcy lasts 3 or 5 years. 

Which is Better – Chapter 7 Bankruptcy or Chapter 13?

One factor to consider when choosing between bankruptcy chapters is whether your assets are protected by bankruptcy exemptions. Therefore, any assets that exceed these limits in equity can be seized in a Chapter 7 bankruptcy to auction off and pay creditors. Plus, Arizona doesn’t allow for federal exemptions, and some Arizona exemptions are quite low. Others vary based on your marital status and other factors. You won’t need to worry about protecting your property with exemptions in a Chapter 13 bankruptcy. Thus, our Glendale bankruptcy lawyers can help you figure out if your assets would be protected in Chapter 7, or if you should file Chapter 13 instead. 
There are other reasons you may need to file a Chapter 13 bankruptcy instead of Chapter 7. For instance, there are strict waiting periods and income limits for Chapter 7 bankruptcy- you must either make less than Arizona’s state median income for your household size, or pass the Means Test. ALso, your case will be dismissed if your income is too high for Chapter 7, and the Automatic Stay will be deactivated. Thus, in this case, filing Chapter 13 bankruptcy will mean your case won’t be dismissed for excessive income, and the protections from the Automatic Stay will be extended even longer.
Chapter 7 Bankruptcy vs. Chapter 13 Bankruptcy Infographic

There are several signs that you may be headed for bankruptcy, such as:

  • You regularly fail to pay some of your bills by their due dates

  • You never answer the phone for unknown numbers as it may be a bill collector calling

  • You’re worried about your vehicle being repossessed, or facing a home foreclosure

  • Your creditors have threatened to file a lawsuit against you

  • When you write checks, they sometimes bounce

  • You have taken out one or more payday loans

  • You borrow money from friends and loved ones that you probably won’t be able to pay back

  • Giving up daily necessities and putting off certain expenses to make ends meet

  • You are only able to qualify for loans with predatory interest rates

  • You are unlikely to be able to pay off the debt on your own