This question can only fully be answered after we meet with you to discuss the facts of your individual situation. However, if one or more of the following apply in your situation, consulting an Arizona bankruptcy attorney may be a good option:
- Your wages have been garnished or your bank account has been attached
- Most of your debts are unsecured debts like credit card bills, hospital or doctor’s bills, etc.
- Your total debt, not including your car or house loan, is more than you could pay, even over five or more years
- Collection agencies are calling you at home and/or at work
- Your payments are more than 30 days behind on more than one bill
- There are lawsuits pending against you
- You have high medical bills not covered by insurance
- You owe income taxes that you are currently unable to pay
- You have few assets
- You have little or no savings
- You have had property repossessed (such as a vehicle)
- What is the main purpose of bankruptcy?
- Bankruptcy can give you a fresh start by discharging, or canceling, many of your debts. Bankruptcy may also give creditors some payment on their debts.