Arizona clients often prefer to file a chapter 7 bankruptcy case unless they are required to file a chapter 13 case or have a very good reason for choosing the more time-consuming and often costlier route of a chapter 13 case.  In Arizona, as in most states, a chapter 7 case is rather quick and painless, if the case has been properly screened, planned, and structured by an Arizona attorney. The first step in the chapter 7 bankruptcy process for our Arizona clients is for the client to meet with one of our attorneys for a detailed interview.  Often, there is no charge for this initial consultation.  During the consultation, your attorney will provide you with answers to questions and screen your case to determine whether you would be a good chapter 7 candidate.

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If you are a good chapter 7 candidate, you will be told the cost of the Arizona bankruptcy case and be given various payment plan options.  You will be given materials to take home and read, as well as a detailed questionnaire to fill out regarding your income, expenses, assets, and debts.  As soon as you complete our form and provide us with copies of tax returns and some other documents, we will prepare your Arizona chapter seven bankruptcy case and file it with the Arizona Bankruptcy Court.

After your chapter 7 bankruptcy case is filed, we will represent your interests to the Arizona bankruptcy case trustee, the United States Trustee, the bankruptcy judge, your creditors, and/or any other parties that may need to be dealt with as your case progresses through the Arizona bankruptcy court.  Most cases are concluded within a six month period, but for most clients, the pressure they have been feeling from creditors and their debt load will fade quickly after the chapter 7 bankruptcy case is filed in the Arizona bankruptcy court.  Indeed, after a bankruptcy case is filed, creditors must cease contacting you, with a few limited exceptions.

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Our Arizona bankruptcy clients are also counseled about appropriate steps they should be taking to rebuild their credit.  There is no extra charge for this useful information.  It is amazing how quickly most people can recover from a bankruptcy filing.  In fact, in a rather large number of cases the Arizona bankruptcy client’s credit score actually increases shortly after the Arizona bankruptcy court finalizes the bankruptcy case (usually within six months of filing the Arizona bankruptcy case), because the person no longer has most of the pre-bankruptcy debt and is thus now much better able to manage payments on a new loan or credit card.