Glendale residents considering Chapter 7 bankruptcy are invited to contact The Roll Law Office, PLLC, for information and guidance. Our law firm has helped numerous Arizonans in Glendale and elsewhere find debt relief through Chapter 7 bankruptcy.
With the guidance of an experienced Glendale Chapter 7 bankruptcy attorney, you can proceed confidently through an Arizona consumer bankruptcy. Steps in a Chapter 7 bankruptcy include the following:
1. Meet with your attorney and determine whether Chapter 7 bankruptcy is the best way forward for you in light of your income and debts. Determine with your lawyer what debts you will be able to discharge and which you will likely reaffirm, such as your home mortgage. Take a required means test to document your eligibility for Chapter 7 bankruptcy.
2. Gather documents detailing your debts, your creditors, their contact information, your assets and your income.
3. Go through credit counseling. Many people do this over the phone or on the Internet. Get your attorney's advice before completing this step.
4. Pay your attorney or finish paying your attorney all necessary court fees and legal fees. Now you are ready to file your bankruptcy petition with the bankruptcy court.
5. Attend the 341 meeting of creditors with your bankruptcy attorney. This meeting typically lasts just a few minutes, but you will want to be prepared.
6. Complete a financial management class. Many people also complete this step online.
7. Wait for notification from the bankruptcy court that your debts have been discharged. You are now free and clear of these debts for all time. Debts that remain may include student loans and back taxes. Talk to your lawyer about ways to manage these.
8. Start to rebuild your credit. You may be surprised by how soon you are solicited by Glendale area auto dealers inviting you to buy a car on credit. A secured credit card may also help rebuild your credit. Other loans and lines of credits can help boost your credit as long as you make timely payments.
Contact a Glendale Consumer Bankruptcy Attorney
To learn more about how The Roll Law Office, PLLC, can help you get a financial fresh start in Glendale or elsewhere in Arizona, please contact us today or call 602-652-2403 to set up a free consultation. We look forward to discussing with you how Chapter 7, Chapter 13 or Chapter 11 bankruptcy or debt settlement negotiations can help you put an end to your worries.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
