Scottsdale Bankruptcy Attorney
Are you facing overwhelming debt and considering bankruptcy? At Lerner & Rowe Law Group in Scottsdale, we understand the financial stress and emotional turmoil you’re experiencing right now. You need a Scottsdale bankruptcy attorney who is dedicated to providing compassionate and effective legal representation to help you navigate the bankruptcy process and achieve a fresh financial start–and that’s just what you’ll get when you work with Lerner and Rowe.
5 Ways Bankruptcy Protects You
For many people, bankruptcy is something they dread, a last resort after going through severe financial hardship. With that said, there are several ways it can protect, and even help you. Here are the top five:
1. Stops Creditor Harassment
Filing for bankruptcy triggers an “automatic stay,” which immediately halts most collection activities like phone calls from debt collectors, lawsuits, and wage garnishments. This can provide much-needed relief from the stress and pressure of creditor harassment.
2. Prevents Foreclosure and Repossession
The automatic stay can also temporarily stop foreclosure proceedings on your home and repossession of your car. This gives you breathing room to explore solutions with your lender or formulate a repayment plan in Chapter 13.
3. Discharges Certain Debts
Chapter 7 bankruptcy allows for the discharge of most unsecured debts, like credit card debt and medical bills. This can offer significant financial relief and a fresh start.
4. Restructures Debts Into a Manageable Plan
Chapter 13 bankruptcy allows you to create a court-approved repayment plan to repay your debts over 3-5 years. This option can be helpful if you have steady income but cannot afford your current monthly payments.
5. Protects Exempt Assets
Bankruptcy laws allow you to keep certain assets exempt from liquidation, such as equity in your home, up to a certain limit. This helps ensure you don’t lose everything while navigating the process.
Types of Bankruptcy Our Scottsdale Bankruptcy Attorney Handles
Chapter 7 Bankruptcy: This chapter allows for the liquidation of non-exempt assets to discharge certain debts. It can be a quick and efficient way to eliminate credit card debt, medical bills, and other unsecured debts.
Chapter 13 Bankruptcy: This chapter allows you to restructure your debts and create a manageable repayment plan under court supervision. This option is ideal for individuals with steady income who want to keep their assets, such as their home and car.
What Our Scottsdale Bankruptcy Attorney Can Do for You
Bankruptcy is a complex legal process with significant financial and personal implications. Consulting with a bankruptcy attorney is crucial to understand your specific situation, explore all available options, and determine if bankruptcy is the right path for you. Here are just a few examples of what we can do for you throughout this process:
- Free Consultation: Discuss your unique financial situation and receive personalized advice about your best debt relief options.
- Comprehensive Debt Relief Evaluation: We will thoroughly analyze your income, assets, and debts to determine the right type of bankruptcy for you.
- Expert Bankruptcy Filing: We handle all paperwork and court appearances, ensuring your case progresses smoothly and efficiently.
- Financial Education: We provide guidance on budgeting, credit repair, and debt management strategies to help you achieve long-term financial stability.
Why Choose Lerner & Rowe Law Group?
Facing overwhelming debt? You’re not alone. Many people struggle with high credit card bills, medical expenses, and other difficult obligations. At Lerner and Rowe Law Group, we understand the stress and hardship this can create.
Our experienced legal team offers compassionate guidance and skilled representation in all aspects of bankruptcy, helping clients navigate Arizona’s unique bankruptcy laws. Whether you need to eliminate or consolidate your debt, we work hard to find solutions that keep you afloat and pave the way for a brighter financial future. Here’s what you can expect from us:
- Experienced and Compassionate Legal Help: Our team has extensive experience representing clients in Chapter 7 and 13 bankruptcy cases. We understand the challenges you face and are committed to helping you find relief.
- Transparent Communication: We will keep you informed during every step of the process and answer your questions clearly and promptly.
- Affordable Fees: We offer flexible payment options to make legal representation accessible.
- Proven Track Record of Success: We have helped thousands of clients in Scottsdale and across Arizona achieve debt relief and a brighter financial future.
Schedule a Free Consultation With a Scottsdale Bankruptcy Attorney
Don’t hesitate to contact us for a free consultation with a Scottsdale bankruptcy lawyer. We are here to discuss your options and guide you through the process with compassion and understanding. Call us today at 602-667-7777, connect through LiveChat, or fill out a FREE online form to get started.