Phoenix, Arizona Bankruptcy Lawyers
Phillips & Associates is one of Arizona's largest filers of consumer bankruptcy cases. Our Phoenix bankruptcy lawyers can help you get out of debt and solve your financial problems. Our Firm's bankruptcy lawyers are experienced in consumer bankruptcy cases. The firm's most senior bankruptcy attorney, Robert Beucler, is a Board Certified Specialist in Bankruptcy law certified by the Arizona Board of Legal Specialization.
- Should I File for Bankruptcy?
- Do I Need a Bankruptcy Lawyer?
- Free Bankruptcy Debt Evaluation
- Recent Developments in Bankruptcy Laws
- Debt Negotiation
Should I file for Bankruptcy?
If you have too many bills and want a fresh start, bankruptcy could be the answer. Bankruptcy can help you eliminate many or all of your debts and usually you are allowed to keep most or all of their personal property. Our Phoenix bankruptcy lawyers can discuss the specifics of your situation with you and help you determine if bankruptcy is the right avenue of debt relief for you.
The most common debts that are eliminated in bankruptcy are credit card debts and medical bills. People often become overwhelmed with high interest credit card debt that is difficult to manage. An unexpected illness can also lead to large medical bills that are impossible to repay.
Most people have some debts in addition to credit cards and medical bills and while these are generally dischargeable, there are exceptions. Bankruptcy is a complex and confusing area of law and our experienced bankruptcy lawyers can help you take advantage of all the debt relief provided by law.
Our bankruptcy lawyers can help you decide whether or not you should file bankruptcy. We offer a free debt evaluation and will answer your questions at no charge. If you decide bankruptcy is right for you, we can begin preparing your case with little or no money down and work out an affordable payment plan. If creditors and collection agencies have threatened you, we can stop them immediately by filing a bankruptcy case with the U.S. Bankruptcy Court.
Please do not feel guilty about considering bankruptcy. The credit card industry is making billions of dollars off high interest credit card debt (often 21% or higher). The credit card industry also creates many problems for consumers by repeatedly sending them more credit cards with higher limits - irrespective of your ability to repay the debts. Things change in life and occasionally we face tough times. Bankruptcy is designed to give you the fresh start you deserve and getting comfortable control of your financial situation.
Bankruptcy is about starting over and our Phoenix, Mesa, and Scottsdale, Arizona bankruptcy lawyers at Phillips & Associates can help you. Contact us by telephone or Email!
Do I need a Bankruptcy Lawyer?
Bankruptcy is more than filling out forms. The decision of whether to file requires extensive planning with bankruptcy lawyers such as the lawyers with the Phoenix, Arizona firm of Phillips and Associates.
Advice from our Phoenix, Arizona bankruptcy lawyers may help make a big difference as to how much property you may be able to keep and how much debt you can eliminate. Our bankruptcy lawyers also may be able to save you money or personal property through the use of pre-bankruptcy planning. While not all property is exempt, you may be allowed to convert non-exempt property into exempt property before you file and then usually keep most of your property. Our experienced bankruptcy lawyers can help you take advantage of all the relief provided by the United States Bankruptcy Code.
Congress has changed the bankruptcy laws and their goal was to restrict your rights to eliminate some or all of your debts. However, it is not too late, we can help you file under the new law. Although the new law is more restrictive, many of you will still qualify for Chapter 7 debt relief.
At Phillips & Associates our Phoenix Bankruptcy lawyers have the experience and talent you need to help you through this difficult process. We handle not only consumer Chapter 7 cases, but also Chapter 13 Wage Earner Bankruptcies. We can help you!
Free Bankruptcy Debt Evaluation
If you are considering bankruptcy, it is important that you schedule an appointment with our Phoenix, Arizona bankruptcy lawyers as soon as possible.
It often makes good financial sense to hire experienced bankruptcy lawyers like the lawyers with Phillips and Associates. We offer a Free Debt Evaluation for our potential bankruptcy clients. There is no cost for you to set up an appointment to come in and discuss your bankruptcy case. We have several offices in the Phoenix Metro area and will try to set an appointment at a time convenient to you.
In order for our Phoenix, Arizona bankruptcy lawyers to properly advise you, it is important for us to know all the details of your financial situation, your last six months of income, and your residency for the last two years. We can answer your questions by telephone but it is difficult to analyze your entire financial situation by phone. Thus, we recommend a free debt evaluation by our bankruptcy lawyers.
When you arrive in our office, please let us know you are here for a free bankruptcy debt evaluation. We will then ask you to provide us with some basic information and then complete a questionnaire regarding your financial situation. It is important that you fill this out completely and honestly so that we can discuss all issues that might later impact your case. Full disclosure is very important when evaluating your case.
Why not call now for a free appointment with our Phoenix, Mesa, and Scottsdale, Arizona bankruptcy lawyers? You have nothing to lose except your bills.
We are here to help and if we determine bankruptcy is not a good option for you - we will tell you this. Feel free to call us anytime. We have dedicated staff members available 24 hours a day, seven days a week. Contact us by telephone or Email!
Recent Developments in Bankruptcy Laws
Special Bulletin Regarding Chapter 7 and Chapter 13 Bankruptcy Laws
FILE NOW! - Congress has passed new bankruptcy legislation, but it is not too late to file Bankruptcy if you call us right now. If you are having trouble paying your bills, call or Email us today. Bankruptcy is not over. People will still be able to file bankruptcy under the current and new law. In fact, we have filed cases under the new law and we can help you too. PHILLIPS & ASSOCIATES is a full service law firm and we can help arrange credit counseling, debt management classes, and all the necessary paperwork needed to file a Bankruptcy under the new law. "It appears that a great majority of our clients will still benefit and receive a discharge from their debts and that’s what is important," says Board Certified Bankruptcy Specialist Robert D. Beucler. "Most people will still get the fresh start that they are looking for."
Debt Consolidation
We can also help you reduce your bills with debt consolidation, even if you do not qualify for Bankruptcy or if you choose or prefer not to file Bankruptcy. Sometimes Creditors will settle for less if we make the offer. Our experienced Phoenix, Arizona attorneys have helped many people settle debts for a considerable reduction.
Mr. Robert Beucler, the firm's certified bankruptcy specialist, received his Juris Doctorate in 1976 from Arizona State University College of Law, and has been practicing in the area of bankruptcy in Phoenix and all of Arizona for more than twenty-eight years. Mr. Beucler has experience representing thousands of consumer bankruptcy clients and he also spent five years as an attorney representing Chapter 7 Panel Trustees. Mr. Beucler is a party to published opinions on bankruptcy law and is licensed in Arizona, the United States District Court for Arizona and the Ninth Circuit Court of Appeals.
If you are in a financial bind, contact our Phoenix, Arizona bankruptcy lawyers with Phillips and Associates. We can discuss whether or not bankruptcy is the right option for you.
We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.
