Central and Northern Arizona Chapter 7 Bankruptcy Attorneys
Have your debts gotten out of control? Are creditors and debt collection agencies calling you on the phone and sending you letters, threatening foreclosure or other serious consequences? If so, it is in your interests to consult with a bankruptcy lawyer as soon as possible.
At the law firm of Warnock, MacKinlay & Carman, PLLC, our Scottsdale, Mesa and Prescott bankruptcy attorneys help clients throughout Arizona get meaningful debt relief through the bankruptcy process. We are experienced at handling both consumer and business bankruptcies.
Choosing the Right Bankruptcy Strategy for Your Individual Situation
The immediate benefit of filing for any type of bankruptcy is the automatic stay: a court order that prevents your creditors from taking any debt collection actions — including foreclosure, repossession and wage garnishment — without permission from the bankruptcy court.
What happens after you file for bankruptcy depends on the chapter of the Bankruptcy Code under which you file. The following are the most commonly used chapters:
- Chapter 7: If you are eligible for Chapter 7 bankruptcy, you can permanently discharge unsecured debts such as credit card balances, medical bills and deficiency balances. Our firm helps both individuals and small businesses file for Chapter 7 bankruptcy.
- Chapter 13: If you have enough income to partially repay some of your debts over three to five years, Chapter 13 bankruptcy may be the right option for you. Chapter 13 puts your debts on an affordable payment plan overseen by a bankruptcy trustee.
- Chapter 11: Our firm is experienced at helping businesses reorganize under the complex provisions of Chapter 11. In addition, for some individuals, Chapter 11 provides a better alternative than Chapters 7 or 13. Unlike many consumer bankruptcy law firms, we have the experience and tenacity to handle individual Chapter 11 bankruptcy cases.
Our attorneys can advise you on which bankruptcy options are available to you or your business, help you plan ahead to ensure that you are getting the greatest possible benefits out of the bankruptcy process, and attentively guide you through the process itself.
Call 602-388-1827, 928-277-4951 or 480-428-1512 to Learn More About Our Services
If you need help getting long-term relief from debts you cannot afford to repay, do not hesitate to contact us to discuss your options with a member of our experienced team of bankruptcy lawyers at the law firm of Warnock, MacKinlay & Carman, PLLC.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.