Phoenix, Arizona, Area Lawyer for Chapter 7 Bankruptcy
Chapter 7 "liquidation" bankruptcy is the most common form of personal and consumer bankruptcy, as well as an option for some businesses. Filing Chapter 7 is a practical choice for many people with more debt than they can handle.
If the problems you face include too much credit card or other unsecured debt, inability to pay bills, the threat of wage garnishment or harassment from creditors, it may well be time to contact an attorney. When you meet with us in our Phoenix or Scottsdale offices (or in one of our meeting locations throughout the state) we will do our best to help you find the smartest and most cost efficient way to relieve your financial pressures and put your overwhelming debt behind you.
Before you file Chapter 7 bankruptcy, you will be required to qualify through a Chapter 7 means test. Although there was a lot of media hype about this test disqualifying people from Chapter 7 filings when it was introduced in 2005, the truth is that more than 96 percent of potential Chapter 7 petitioners still qualify.
Getting Sound Legal Advice Relating to Potential Bankruptcy Matters Can Bolster Your Chances of a Successful Fresh Start
Due to the possible stigma associated with bankruptcy or the hope that they can turn things around, many people wait too long to seek debt relief. Others fall victim to certain bankruptcy myths such as rumors and propaganda indicating that filing is very difficult or impossible under the new law passed in 2005.
At the Law Offices of Gukeisen Law Group, P.C., we don't "push" Chapter 7 bankruptcy or any other legal action. However, we do know exactly how it works and will take the time to explain in detail what filing can and cannot do for you.
Legal Debt Relief Can Provide the Fresh Start You Need
For example, Chapter 7 is usually not an effective means of foreclosure defense if you are already behind on your mortgage and unable to catch up. It can, however, accomplish some very important things which will allow you to get a "fresh start". Filing Chapter 7 bankruptcy can be a relatively straightforward way to:
- Gain a discharge of unsecured debts, including all you owe companies
- Stop the creditor and collector harassment that may be creating tremendous stress and anxiety for you
- Stop garnishments of your wages or bank accounts and prevent future judgments against you
Sound Legal Advice From a Knowledgeable and Experienced Lawyer
Gukeisen Law Group, P.C. is a calm, levelheaded and knowledgeable lawyer with decades of experience across a range of practice areas. He knows bankruptcy law and his way around the U.S. Bankruptcy Court of Arizona. For a pressure-free, confidential consultation on your debt relief options, please contact us today. You will receive reliable and informative advice which will assist you in determining whether Chapter 7 bankruptcy is appropriate for your circumstances.
