Chapter 13 Bankruptcy Attorney in Phoenix, AZ
Schedule Chapter 13 bankruptcy services in Phoenix, AZ and the Greater Valley Area.
Save Your Assets. Lower Your Payments
Is your debt overwhelming? Are you facing foreclosure?
Chapter 13 bankruptcy lets you reorganize your debt and retain your assets.
With Chapter 13 bankruptcy, your lawyer will create a plan to pay off your debt in three to five years. At the end of your plan, the rest of your qualifying unpaid debts will be erased.
Ready to learn more?
Call (602) 466-9631 to schedule a FREE virtual consultation with Hilltop Law Firm today.
Stop Foreclosure and Make a New Plan
Chapter 13 bankruptcy allows you to halt foreclosure proceedings and catch up on past due balances. The benefits of filing for Chapter 13 bankruptcy include:
- Save your home from foreclosure!
- Lower your debt payments
- Eliminate a second mortgage
- Reschedule secured debts
- Catch up on past due balances
- Freeze interest on loans and back taxes
Chapter 13 Bankruptcy with Hilltop Law Firm in Phoenix
Chapter 13 bankruptcy may be the best option if you have a steady income, but you need some breathing room to pay off your debts. It’s important to find a lawyer who knows how to calculate the ideal plan to save you money.
The first step is sitting down with an experienced bankruptcy lawyer to determine the best route for you to take. If you choose Chapter 13 bankruptcy, your lawyer will examine your income, expenses, and debt to devise a repayment plan that works for you.
Chapter 13 is a reorganization plan that’s based on your current income. Individuals are eligible to file for Chapter 13, which lets you eliminate unsecured debts that aren’t secured by collateral or lien. Debts that may be discharged include:
- Credit cards
- Medical bills
- Some types of taxes
- Unsecured personal loans
- Payday loans
- Utility bills
Some types of debts cannot be eliminated in Chapter 13 bankruptcy, including spousal support, student loans, recent taxes, court fees, child support, penalties, fines, and restitution.
How the Right Phoenix Chapter 13 Bankruptcy Lawyer Can Help
Chapter 13 is a complicated legal process. You will be filing several documents with the court confirming that you have been completely upfront about your financial situation. If there are any discrepancies in your filing, it could jeopardize the entire Chapter 13 process. Our team at Hilltop Law Firm offers the following Chapter 13 assistance:
- Keeping track of hearings and deadlines
- Maximizing asset protection
- Filing the necessary paperwork
- Shielding you from aggressive creditors
Protecting Your Property
In addition to correctly filing all your paperwork, your Chapter 13 lawyer will also help you get the best possible deal. That means negotiating to lower your payments and allowing you to keep as much property as possible.
Arizona law determines which property is exempt in a Chapter 13 bankruptcy. It’s crucial to find an attorney who will help you hold on to as many of your possessions as possible. Arizona allows exemptions for the following types of property up to certain dollar amounts:
- Primary residence
- Tools used for work
- Musical instruments
- Bank accounts
- Retirement accounts
We’re on Your Side
Filing for Chapter 13 bankruptcy is a big step on your road to financial independence. You’ll want to have someone by your side who knows what they’re doing.
Hilltop Law Firm provides bankruptcy services in Phoenix, AZ or any surrounding area. Call (602) 466-9631 to learn more today. You can also use the link below.
We’ll be happy to meet with you in our office or we can provide a virtual consultation.