Arizona Chapter 7 Bankruptcy Attorney
Chapter 7 bankruptcy can help you get the relief you deserve with a complete liquidation of many types of debt. With new bankruptcy laws and an income threshold to consider, it is important to talk to a lawyer who can help you understand your rights and make sure you know what you have to do in order to file for Chapter 7 bankruptcy.
Many people will try to file for bankruptcy on their own, make a few mistakes and ultimately fail to get the debt relief they deserve. When filing for Chapter 7 bankruptcy without an attorney, you risk surrendering assets and property that you could have kept.
When you file for Chapter 7 bankruptcy, you can discharge most types of debt. There are, however, a few things you will not be able to discharge. Tax liabilities, child support arrears and student loans are usually not dischargeable in a Chapter 7 bankruptcy. There are also major penalties for incurring new debt or trying to get rid of property before filing for bankruptcy.
Straightforward Chapter 7 Bankruptcy Answers During a Difficult Time
Contact the Law Office of Chris Dutkiewicz, P.C.
When you file for bankruptcy, the trustee does not represent you. It is not the job of the trustee to make sure you are financially secure after bankruptcy; it is the trustee's job to make sure your nonexempt assets are turned over to the creditors. At the Law Office of Chris Dutkiewicz, P.C. in Gilbert, we can help you reduce the amount of assets you lose and make sure you get the debt relief you deserve.
In order to qualify for Chapter 7 bankruptcy, you will have to pass a means test. We will take a look at your financial situation and help you determine whether or not you will qualify. It is a complex system and there are many deductions and steps we can take to help you qualify, even if you initially think that you make too much money. We will counsel you prior to your decision, so can decide if it is right for you to file; if you decide to proceed with bankruptcy, we have the experience and counsel to help you minimize any loss of tax refunds in the year you file.
Pre-Bankruptcy Concerns
The bankruptcy process is complicated, and if you are interested in filing, you should start planning as soon as possible, rather than waiting for a foreclosure notice or delaying until your property is being repossessed. You may even find a suitable bankruptcy alternative. Before you make any decisions, we will make sure you understand Arizona residency requirements and how you can maximize your exemptions. We will also refer you to the pre-filing debt counseling required under the Bankruptcy Code.
Bankruptcy and Divorce
When significant financial concerns accompany your divorce, we can help. Filing for Chapter 7 bankruptcy could help alleviate the financial strains of your divorce. Since Arizona is a community property state, you will not be able to shoulder one spouse with all the debt and have that spouse later file for bankruptcy. By filing for Chapter 7 bankruptcy now, you could find yourself with more options.
Contact Us
Located just seconds from the Superstition Freeway, off of Val Vista, our Gilbert office is open during weekly business hours. We are also accessible nights and Saturday mornings. Contact us today and find out if chapter 7 bankruptcy is right for you.
Law Office of Chris Dutkiewicz, P.C.
3303 E. Baseline Road, Suite 107E
Gilbert, AZ 85234
Telephone: 480-505-1877
E-mail
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
