Have you fallen behind on mortgage payments and worry about foreclosure on your Scottsdale home? Perhaps medical bills have piled up beyond what you can manage. Chapter 13 bankruptcy provides a legal way to address these problems directly. A gifted Scottsdale Chapter 13 bankruptcy lawyer from Lerner and Rowe Law Group can review your specific circumstances and help determine whether Chapter 13 is the best solution for your situation. Call us today to schedule your confidential and free consultation.
You can speak with the accomplished Scottsdale attorneys from Lerner and Rowe Law Group by calling (602) 667-7777. Since 2013, our firm has helped numerous Arizona residents successfully navigate the bankruptcy process and rebuild their financial lives. Call us today and take your first step toward financial freedom.
Why Hire a Scottsdale Chapter 13 Bankruptcy Attorney?
When you’re having financial difficulty, paying an attorney might feel like an exorbitant expense. Keep in mind that attempting a Chapter 13 filing alone often leads to expensive errors and that Lerner and Rowe Law Group offers flexible payment options. A skilled Scottsdale Chapter 13 bankruptcy lawyer from our firm will:
- Review Your Complete Financial Situation: We meet with you to examine your income, regular monthly expenses, total debt load, and what you hope to achieve.
- Prepare and File Your Paperwork Correctly: Chapter 13 requires numerous forms submitted within strict deadlines. Our Arizona attorneys prepare everything accurately and file it on time.
- Stand Beside You in Court: We attend every hearing with you and handle all negotiations with creditors and the bankruptcy trustee.
- Stop Collection Actions Immediately: Once your case is filed, an automatic stay takes effect that halts foreclosure sales, wage garnishments, vehicle repossessions, and those relentless collector calls.
Is Chapter 13 Bankruptcy Right for Me?
For many Scottsdale residents with reliable income, Chapter 13 offers distinct advantages over other options. You may be a solid candidate if you meet these conditions:
- You have steady employment or a consistent monthly income source.
- You can commit to a three-to-five-year court-approved repayment plan.
- You own valuable assets you could lose in a Chapter 7 liquidation.
- You’ve fallen behind on mortgage or car payments but want to keep your property.
- Your total debt falls within federal limits (which adjust periodically).
The U.S. Bankruptcy Court for Arizona has established rules about who qualifies for Chapter 13. An experienced Scottsdale Chapter 13 bankruptcy lawyer from our firm will evaluate your situation carefully and determine whether this option is best for you.
What Debts Can I Eliminate Under Chapter 13?
Many people incorrectly believe bankruptcy eliminates everything they owe. The reality is that different debts receive different treatment under Chapter 13. Here’s a general breakdown:
- Debts Your Plan Can Address: Credit card accounts, hospital bills, personal loans, and certain older tax debts can typically be included in your repayment plan, often for much less than what you originally owed.
- Secured Debts Requiring Ongoing Payments: Mortgages and auto loans need continued monthly payments. Your Chapter 13 plan helps you catch up on missed amounts while you maintain current payments.
- Obligations That Usually Stick Around: Most student loans, recent tax debts, child support, and alimony are generally nondischargeable through bankruptcy.
The Scottsdale bankruptcy attorneys from Lerner and Rowe Law Group will take time to explain how these rules apply to your particular situation.
Contact a Scottsdale Chapter 13 Bankruptcy Lawyer Near Me
Deciding to file for bankruptcy is a difficult decision, but staying trapped in debt is harder. Taking that first step toward a solution can bring immediate peace of mind. Lerner and Rowe Law Group invites you to schedule a free, no-obligation consultation with a trusted Scottsdale Chapter 13 bankruptcy lawyer. We’ll analyze your financial situation, explain your best options, and help you regain financial stability. Contact us today to get started.
You can reach the Arizona bankruptcy attorneys at Lerner and Rowe Law Group by phone at (602) 667-7777. For your convenience, you may also contact us online through our encrypted form or connect with a LiveChat agent today.