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Simply enter your info below or call (480) 605-4409, so we can help get creditors off your back, and get you back on track

Contact Your Local  Bankruptcy Attorney Today!

We are professional bankruptcy attorneys and we will solve your creditor problems.  

Call now to schedule a FREE consultation with one of our bankruptcy attorneys.  

We will fight for you to help you start over and build a new life without all the threatening phone calls.  

This consultation is absolutely free and we will answer any and all questions you may have.  

We are conveniently located in Tempe at 209 E Baseline Road, Suite E-204, Tempe, AZ 85283.

Should you choose a “Chapter 7” or a “Chapter 13” bankruptcy?

We often recommend choosing a “Chapter 7” bankruptcy when your debts are mainly credit cards, medical bills, or personal loans:

  • Chapter 7 allows you to "discharge" most of these unsecured debts so that they're eliminated entirely.
  • With a Chapter 7, your credit score can improve quickly, often within months.
  • You can often keep important things you own — like your house and car — when you file a Chapter 7.

But a Chapter 7 doesn’t work for every situation. For instance, you may not be able to keep some “extra” things you own, like a second home or an anticipated tax refund. And if you make too much money, you may not qualify for a Chapter 7.

So in some cases, we recommend choosing “Chapter 13” bankruptcy:

  • Chapter 13 allows you to pay back your debts over five years, and gets you “current” on those debts.
  • With a Chapter 13, you pay 0% interest on “unsecured” debts—like credit cards—that often have high interest rates.
  • If you qualify, you may be eligible to pay pennies on the dollar to those unsecured creditors, or even avoid repayment altogether.
  • You can keep all of your assets, although you may have to pay extra to keep some of them.

However, if you choose a Chapter 13, you’re also agreeing to certain restrictions. For instance, without the court’s permission, you can’t rack up new debt or sell certain assets for up to five years.

There are pros and cons for both Chapter 7 and 13, so nobody can say that one is always better than the other. The choice really depends on your situation.

A good bankruptcy lawyer can help you make the right choice for your situation. So call us now at (480) 605-4409 — or fill out the form on this page — to schedule a FREE consultation on what kind of bankruptcy is right for you.

BEFORE you make another payment on any debt, call our office for a free debt analysis to learn ALL of your options

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(480) 605-4409

Call Now For Your FREE Debt Consultation

(480) 605-4409

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