Mesa Bankruptcy Lawyers
If you have been experiencing overwhelming debt, it may be in your best interests to file either Chapter 7 or Chapter 13 bankruptcy. While bankruptcy can often carry a negative connotation, there are actually many benefits that go along with this choice. Hiring Mesa bankruptcy lawyers from Lerner and Rowe Law Group will help you navigate the paperwork, filing, negotiations, and creditors.
Before working with us, we will need to schedule a free case evaluation and consultation with you. To schedule this meeting, just call us at 602-667-7777. Or, you may also choose to fill out this FREE online form or use LiveChat to connect with our network of professional representatives.
Do I Need Mesa Bankruptcy Lawyers To Help Me File?
While it is possible to file for bankruptcy in Mesa without an attorney, this choice is not in your best interests. There are many laws and conditions that you will need to maneuver through as you file for bankruptcy, and without an attorney, it’s easy to miss a step or complete a step incorrectly. In fact, you may even face penalties if you do not file correctly. And so, choosing a seasoned bankruptcy lawyer from Lerner and Rowe Law Group can help safeguard you from potential risks.
There are also certain parameters you must meet in order to file bankruptcy at all. An attorney will help you through the means test, which will determine whether or not you are eligible.
You have already been facing extreme stress as you watched your debts pile high. Making the choice to file for bankruptcy can add to this burden. But, you won’t have to suffer through figuring out exactly what the best option is for you. Rather, your Mesa bankruptcy attorney will guide you in the right direction, and all along your journey to financial relief.
What Types of Bankruptcy Do We Handle in Mesa?
In Mesa, Lerner and Rowe Law Group handles two kinds of bankruptcy. The first is Chapter 7 bankruptcy, during which you, the debtor, receives relief via the liquidation of assets. If your attorney determines that this is the best route for you and your family, there is a chance that you will have to return items that you still owe for, like a car or home loan.
The other type of bankruptcy we handle is Chapter 13 bankruptcy. Chapter 13 bankruptcy involves restructuring all of your debt into a sustainable, monthly amount. This way, your creditors receive some of the amount that they have been waiting for while placing less of a burden upon you financially.
There are pros and cons to each kind of bankruptcy, but an attorney will help determine which one provides the maximum benefit for you.
What Are the Benefits of Filing for Bankruptcy in Mesa, Arizona?
There are many benefits to filing for bankruptcy in Mesa, AZ. In fact, filing for Chapter 7 or Chapter 13 bankruptcy:
- Immediately stops calls from creditors and collections
- Delays and/or stops repossessions
- Stops wage garnishments
- Can provide a fresh financial start
- Delays and/or stops foreclosures
It’s important to work with a knowledgeable and experienced bankruptcy attorney in order to ensure you receive the maximum benefit. So, rely on Lerner and Rowe to assist you in this way.
What Is an Automatic Stay According to Arizona Law?
An automatic stay, according to federal law, is when most or all actions against a debtor are stopped. This happens as soon as the debtor files for bankruptcy. The automatic stay is what halts the creditors and collections agencies from making harassing calls to you. It also stops wage garnishments, which is when creditors receive a portion of your paycheck before it even arrives to you.
Sometimes, your creditors may not adhere to the automatic stay, or simply not realize you have filed. With an attorney on your case, you won’t have to worry about having this discussion with your collections agencies. Instead, your attorney will handle these communications.
How Can Mesa Bankruptcy Lawyers Help Me?
Lerner and Rowe Law Group offers 24/7 legal help to all potential Mesa bankruptcy clients. As such, we are committed to providing excellent communications throughout your time with us, answering all of your questions and providing direction as you go through the appropriate paperwork.
Moreover, we offer completely free initial consultations. Additionally, you won’t have to worry about another fee right now, on top of all the other bills you have to pay. Our bankruptcy attorneys have amassed hundreds of five star reviews as well, and helped thousands of people just like you reach the best possible outcome. So don’t hesitate. A team that can help you with bankruptcy in Mesa is just a call away.
Contact Top Mesa Bankruptcy Lawyers Near Me
To schedule your completely free case evaluation, call us in Mesa at 602-667-7777. You can also simply chat online using our convenient LiveChat feature, or simply fill out this easy, FREE online form.
Whichever you choose, you will take the first step towards a financial decision that can alleviate much of the burden off of your shoulders. So, don’t wait another month, or even another minute. Instead, call Lerner and Rowe Law Group today.