Bankruptcy
Court Order Eliminates “Zero Down” Bankruptcy Fee Agreements in Arizona: What This Means for You
If you’ve been considering bankruptcy as a way to reset your financial future, you may have come across law firms offering “$0 down” Chapter 7 filings or flexible low-down payment options. These types of agreements were common in Arizona, but due to a recent court decision, they are no longer available.
Update January 15th, 2026:
Notice to all Hilltop Law Firm clients: In accordance with an order signed on January 13th, 2026 by the Honorable Edward P. Ballinger, Jr., Chief Judge of the United States Bankruptcy Court District of Arizona, General Order 25-2 has been delayed.
6 Smart Reasons to File for Bankruptcy at the Start of the Year in Phoenix
Filing bankruptcy early in the year can offer strategic legal and financial benefits that many people don’t consider. While bankruptcy is never an easy decision, the timing of your filing can significantly impact your financial recovery and reduce the amount of stress you experience during the process. If you’re considering a fresh financial start, January or February might be the best time to take action.
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Can Someone Pay Off a Chapter 13 Bankruptcy Early in Phoenix?
If you’re currently in a Chapter 13 bankruptcy repayment plan and you’re experiencing improved finances, you may be wondering if you can pay off your Chapter 13 bankruptcy early in Phoenix.
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How Does Chapter 13 Bankruptcy Affect Your Credit in Phoenix?
For many Phoenix residents, Chapter 13 bankruptcy offers a much-needed path to regain control over overwhelming debt. But a common concern remains: Will my credit be permanently ruined? The answer is no.
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What Happens to Your Car in a Chapter 7 Bankruptcy in Phoenix?
If you’re considering Chapter 7 bankruptcy, one of the biggest questions on your mind is likely: “Will I lose my car?” That’s a completely valid concern, especially in Phoenix, where public transportation isn’t exactly known for its convenience.
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Will Bankruptcy Affect My Job or Employment in Phoenix?
If you’re considering filing for bankruptcy in Phoenix, you might be wondering if bankruptcy will affect your job or employment. It’s a fair concern—after all, financial challenges are stressful enough without worrying about your career.
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Will Bankruptcy Get Rid of Medical Debt in Phoenix?
Medical emergencies can strike without warning, and unfortunately, the financial aftermath often lingers long after the health crisis has passed. For many Phoenix residents, soaring hospital bills, out-of-pocket expenses, and gaps in insurance coverage lead to overwhelming medical debt. In these situations, a question often arises about whether bankruptcy will get rid of medical debt in Phoenix.
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How Long Do Chapter 13 Bankruptcies Last in Phoenix?
If you’re exploring options to manage overwhelming debt, you’ve probably come across Chapter 13 bankruptcy as an alternative to liquidation under Chapter 7.
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What Happens to My Tax Debt When I File for Bankruptcy in Phoenix?
If you’re drowning in debt and considering bankruptcy, you’re probably hoping for a clean slate—including relief from back taxes. But when it comes to tax debt and bankruptcy in Phoenix, things can get a bit complicated. The IRS doesn’t always go away quietly.
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Can You Keep Your House in a Chapter 7 Bankruptcy in Phoenix?
If you’re struggling with debt and considering bankruptcy, one of your biggest worries is likely whether you will lose your home. It’s a fair concern that deserves a clear answer. The good news is that in Phoenix, you can keep your house in a Chapter 7 bankruptcy, but it depends on several key factors.
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