Arizona Clark Bankruptcy Law Office
Experience, Results and a Fresh Financial Start since 1997.
Questions about Debt Relief Options
If you’re having money problems because of credit card debt, repossession, foreclosure, medical bills, tax liens, judgments or garnishment, call us to schedule a free consultation in one of our Valley-wide offices to learn your rights and get free* advice and information about Bankruptcy Protection. Get the breathing room you need to reorganize, restructure and eliminate debts, buy time and get a second chance.
Troubling Times
In a struggling economy, whether you’re a consumer, wage earner, self-employed or a small business owner, overwhelming pressure and stress comes with creditor harassment, telephone calls, threatening collection letters, lawsuits, layoffs, unemployment, divorce, disability and unsuccessful debt consolidation and loan modification. Dealing with your debt successfully depends mostly on having an experienced attorney. We’re not beginners or unlicensed document preparers or paralegals. Whether it’s a personal bankruptcy or business bankruptcy, in many cases you can keep all your property, stop creditors from contacting family and your employer, avoid seizure of your property and even eliminate a home equity line of credit or second mortgage.
Foreclosure Crisis
With adjustable rate mortgages, multi-option ARMs, predatory lending and the collapse of the real estate market, thousands of homes are lost each year to trustee sales or foreclosure, even while homeowners try to negotiate workouts, deferments, forbearances and modifications. Most debt negotiation and settlements outside bankruptcy fail, including those who apply under the Obama Plan or HAMP (Home Affordable Modification Plan). Foreclosure can happen even when you do your best to pay reduced interest and principal payments during your “trial period”. Bankruptcy laws guarantee certain basic rights, including your right to catch up and keep your home. If you’re upside down on the house or car, owe more than it’s worth, can’t afford it, or simply don’t want to keep it and you’re ready to give it up, in most cases you can walk away and have no future financial obligations or tax consequences.
Your Future
Future income, tax refunds and personal belongings are usually not affected. In most cases, you keep vehicles and other personal property, including retirement savings accounts, free and clear of the bankruptcy. To help rebuild and re-establish credit, your credit report shows that you eliminated your debts and might say you’re debt-free for up to 10 years. Better than credit repair, past-due charge offs and settlements are also discharged and eliminated through bankruptcy.
Attorneys Fees
The initial consultation is free* and your total costs will depend on the difficulty and complexity of your case. We don’t charge a “flat fee”, we do offer “low fees”, “discount fees” are available in especially simple cases and you may qualify for “zero down” to get Chapter 13 protection. If your case is particularly complicated, you might need a bankruptcy specialist or legal expert. But basically, the simpler your case is the less your total costs will be.