Yuma Bankruptcy Lawyer
While filing bankruptcy may sound intimidating, it can actually provide you with a fresh financial start and relief from stressful situations, like harassing phone calls from aggressive collection agencies. But, for the maximum benefit, you will want to work with an experienced Yuma bankruptcy lawyer. Doing so will help you navigate the paperwork and legal side of things so that you can come out the other side stronger.
At Lerner and Rowe Law Group, we can help guide you towards the right kind of bankruptcy for you, help you understand what paperwork is necessary, and ultimately attempt to either eliminate or consolidate your debt into something that you can manage.
To learn more about your options, dial 602-667-7777 and schedule a free case evaluation and consultation with us. Or, fill out this FREE online form. You may also choose to use LiveChat, and connect with someone immediately.
Do I Need a Yuma Bankruptcy Lawyer?
Yes, it is in your best interests to hire a seasoned bankruptcy lawyer if you plan to file bankruptcy in Yuma. With an attorney on your side, you’ll unlock the strength of attorneyswho have had years of experience sorting through client’s finances and assets. They will be able to tell you the best ways to consolidate and potentially avoid losing property through repossession.
Plus, you may not know the real value of all of your assets, and lack the qualifications to figure it out on your own. However, an attorney can certainly figure this out for you and apply it to your case.
Moreover, your Arizona bankruptcy attorney can handle creditors that contact you, especially after your bankruptcy is filed. This is just another huge stress that can be taken off of your shoulders by working with an attorney from Lerner and Rowe Law Group.
Types of Bankruptcy Handles by Our Yuma, AZ Attorneys
In Yuma, Lerner and Rowe Law Group handles these kinds of bankruptcy:
- Chapter 7 Bankruptcy, where you may be able to discharge debts and experience a new start.
- Chapter 13 Bankruptcy, where you may be able to restructure your debt into understandable, regular payments.
Depending on your personal assets and needs, your attorney will determine which kind of bankruptcy is better for you. That way, you can lean on their expertise rather than attempting to decide yourself.
Common Benefits of Filing for Bankruptcy in Yuma
Bankruptcy has many benefits. For example, in Yuma, bankruptcy:
- Immediately stops calls from creditors and collections
- Delays and/or stops repossessions
- Delays and/or stops foreclosures
- Stops wage garnishments
- Halts liens
- Can provides a fresh financial start
Filing for bankruptcy in Arizona may be the best way for you and your family to move forward, out of the stranglehold of debt. To find out more, reach out to an Arizona bankruptcy attorney at Lerner and Rowe Law Group today.
What Does Arizona Law Say About My Options After Bankruptcy?
There are many aspects of your life that will be affected by filing bankruptcy. Here is what Arizona law says may happen in Yuma:
- Car Loans – if you file Chapter 7 bankruptcy, your car may be sold by the lien holder. However, your attorney may be able to negotiate you keeping your car through a reaffirmation agreement. In Chapter 13, you may be eligible for a cramdown, which could reduce what you owe on the car to its fair market value.
- Mortgage Loans – For most Yuma filers, $400,000 in the equity of your home is protected by Arizona’s Homestead Exemption law. And so, if you meet the criteria, you might be able to keep your home if you file Chapter 7 bankruptcy. If you choose Chapter 13, you may be able to catch up past due mortgage payments or eliminate secondary and tertiary mortgages.
As you can surmise, there are many ways that an Arizona bankruptcy attorney can help you through this. And, many of the benefits listed above are best case scenarios. If you attempt to file for bankruptcy alone, you may not receive such benefits.
How Can Lerner and Rowe Law Group Help with Your Yuma Bankruptcy?
Lerner and Rowe Law Group can help you file for Chapter 7 or 13 bankruptcy in numerous ways. But, we also offer more. For instance, we are committed to providing excellent communications throughout your time with us, and are available 24/7.
Also, we have received hundreds of five-star reviews. We’ve helped thousands of people in Yuma and throughout Arizona reach the best possible outcome as they file for bankruptcy. So, don’t hesitate. Reach out to Lerner and Rowe Law Group today.
Contact a Yuma Bankruptcy Lawyer from Lerner and Rowe Today
Facing thousands of dollars in credit card debt, attempting to pay off outrageous medical bills, and trying to pay off other loans is a hefty task in today’s day and age. But, the first step towards a fresh financial start in Yuma is calling Lerner and Rowe Law Group.
Our number is 602-667-7777, but you can also fill out this FREE online form or use LiveChat to schedule a completely free case evaluation and consultation. We will guide you through the bankruptcy process and answer all of your questions. Don’t go through this process alone, and instead, call us today!