Considering filing for bankruptcy? You need a Tempe Bankruptcy Attorney.

If you’re considering personal bankruptcy, the first thing you need to do is find an experienced Tempe Bankruptcy Attorney.

At Davis Miles McGuire Gardner, PLLC, our team of lawyers is highly experienced and well versed in bankruptcy law.

Why You Need a Tempe Bankruptcy Attorney

If you’re filing for bankruptcy, it’s important to have solid representation on your side – and even more importantly, representation you can trust. The bankruptcy process can be scary, stressful, and complicated. If you want the process to be as stress-free and go as smoothly as possible, you’ll want to hire an Arizona Bankruptcy Lawyer in Tempe.

Here’s what a Bankruptcy Attorney in Tempe can do for you:

Reduce stress
Give you advice
Help you through the process to make it go more smoothly
Make things easier
Explain things you don’t understand, like bankruptcy qualifications
Speed up the process
Give you peace of mind

Understanding Bankruptcy in Arizona

Understanding bankruptcy can seem daunting, which is why it’s so important to hire the best bankruptcy attorney in Tempe to handle your bankruptcy case.

Your Tempe bankruptcy lawyer will help you through every step of the process, including helping you decide if bankruptcy is truly right for you.

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If you’re drowning in debt, you know just how hard it is to get out of it.
Bankruptcy provides a way out.

Bankruptcy provides a solution by giving people saddled with substantial debt the opportunity to get out from under it while treating creditors in a fair manner. Once complete, a debtor (the person filing for bankruptcy) will often describe the relief that comes with a clean financial plate as a “fresh start.” They get to start over without the looming burden of unpaid bills.

Is Bankruptcy the Right Choice for You?

If your debt is spiraling out of control, it may be time to consider filing for bankruptcy. Making the right choice depends on a few factors, including:

types of debt
if you own any non-exempt property
if you’re married or single
if you can afford to resolve your debts outside of bankruptcy
specific facts of your personal case

In order to fully understand your choices, you should speak with a qualified Arizona bankruptcy lawyer in Tempe.

Does any of the following sound like you?

Minimum Payments – You can only make minimum payments on your credit cards. It feels like you’re not even making a dent, but you can’t afford to pay more. Will you ever get out of debt? It feels hopeless.
Phone Calls from Debt Collectors – Debt collectors are calling you or filing lawsuits against you. You’re panicking. You don’t know what to do.
Stressed Out – The thought of sitting down and sorting out your finances scares you and makes you feel out of control, helpless, and stressed.
Struggling to Make Ends Meet – You use credit cards to pay for necessities like food, and want to stop struggling.
No Savings Left – You’ve exhausted your savings account trying to pay off your debts. If an emergency were to happen, you’d be in trouble.
Considering Withdrawing from Retirement Fund – You’re thinking about dipping into your retirement fund to settle your debts. What else can you do at this point?
Considering Consolidation – You’ve been looking into debt consolidation, but have been concerned about owing more money.
Bad Credit Rating – Your credit score is bad and you are having trouble making important purchases, like a home, apartment, or car.

If any of these statements apply to you, then a Chapter 7 or Chapter 13 bankruptcy could be the best way to resolve your debts.

If you’re wondering “When should you file for bankruptcy?” the answer is now. It’s important to understand the risks and benefits, as well as how to properly file, though, so make sure you speak with a Tempe Bankruptcy Lawyer before making your final decision.

There Are Different Types of Bankruptcy

Did you know that there are a few different types of bankruptcy? Typically, people filing for bankruptcy qualify for either Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.

Chapter 7 Bankruptcy: A Chapter 7 bankruptcy will discharge most types of unsecured debt. The trustee will try to sell any significant nonexempt property in order to repay your creditors. This typically takes 3-4 months.

Chapter 13 Bankruptcy: With Chapter 13 bankruptcy, you repay your creditors (some in full, some in part) through a Chapter 13 repayment plan. This plan lasts anywhere from 3 to 5 years.

Bankruptcy qualifications vary for different types of bankruptcy, so you’ll want to sit down with a bankruptcy attorney in Tempe to fully discuss your options and what you qualify for.

Filing for Bankruptcy Without an Attorney is a Mistake

You may be asking yourself, “Should I be filing for bankruptcy without an attorney?” The answer is no.

Filing for bankruptcy takes a lot of time and effort and can be extremely complicated. Having a knowledgeable Tempe bankruptcy lawyer on your side is essential if you want the process to go quickly and smoothly.

Bankruptcy isn’t the right choice for everyone. Some file for bankruptcy and find out it was the wrong choice, but it’s too late. Don’t make this mistake! A good Arizona bankruptcy lawyer in Tempe will be able to help you decide what the best choice for YOU and your future is. They’ll also be able to tell you answers to questions like:

When should you file for bankruptcy?
How do bankruptcies work?
What do you need to do to file bankruptcies?
Who pays for bankruptcies?
and more

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You Deserve the Best Bankruptcy Attorney in Tempe

When going through bankruptcy, you need representation you can trust. At Davis Miles McGuire Gardner, PLLC, our Arizona bankruptcy lawyers in Tempe will listen to you, give you advice, and help you through every step of the bankruptcy process. We stand by your side and assist you every step of the way. For more information or to schedule a consultation, simply contact us online or call us at 844-366-4529.

Tempe Bankruptcy Attorney | Davis Miles McGuire Gardner, PLLC – Tempe, AZ

Tempe, Arizona

40 E. Rio Salado Parkway Suite 425
Tempe Arizona, 85281
Phone: (480) 733-6800
Fax: (480) 733-3748

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Our experienced attorneys provide an array of legal services across several practices.
We’ve helped thousands of people find solutions to problems. We’d love to help you too.

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Tempe Bankruptcy Attorney