Can I Keep One of my Credit Cards When Filing Bankruptcy?

This is one of the questions that our Arizona bankruptcy lawyers often are asked.  Many people who need to declare bankruptcy have a favorite credit card that they want to keep even after they have filed for bankruptcy protection.  

Keeping a credit card while filing bankruptcy

Unfortunately, you can not pick and choose which debts you are wanting to include in your bankruptcy.  Thus, in a word “No”  you can not keep one of your cards when filing for bankruptcy in Arizona.  We understand that it makes no sense, if you want to pay back some of your debt, it just isn’t fair to your other creditors.
An example of how this might work is:  You have a balance that you want to Discharge on your Mastercard but want to continue to pay the personal loan that you borrowed from your work’s credit union.  That is not something that you can do.  Picking and choosing debts to include in bankruptcy is not allowed.
Credit Cards with Zero Balance in Bankruptcy

Often, people will tell our experienced bankruptcy attorneys that they chose not to include a creditor on their bankruptcy because the card had a zero balance.  Just because they don’t owe money on a card does not make it a card that they can choose not to include.
In fairness, usually they are wanting to hang on to that credit card because it is $0 balance and they hope it will help them re-establish their credit after filing bankruptcy.  Unfortunately, the lenders (issuers of the credit card) don’t look at this the same way.  Most often, the lenders subscribe to services that follow and update current bankruptcies that are filed.  Thus, the lenders compare bankruptcy filings to their own database.  Any active account that the lender might have (Even with a $0 Balance) that matches up to a bankruptcy case will lose borrowing privileges.  Your credit card will be canceled, even sans a balance.
Can I Exclude a Credit Card when Declaring Bankruptcy?  It’s an Important Card.
So, what if I just exclude a card and don’t tell anyone about it?  Will that allow me to keep a credit card when declaring bankruptcy?  Once again, no matter how important the credit or department store card might be, excluding the account and/or the card is simply not an option.  We feel that you should use one of the federal debt relief programs:  Chapter 7 or Chapter 13 in order to start a new debt freeChapter of your life.   

Coronavirus Affects Bankruptcy Courts Closures for Near Future

Coronavirus Affects Bankruptcy Courts Closures for Near Future

Panic over the spread of Coronavirus has increased drastically in the past few weeks. The Coronavirus has caused major events and organizations to suspend activities, cruise ship passengers are being quarantined, even toilet paper is out of stock at stores due to citizens stockpiling specific items.  

Coronavirus and how it affects bankruptcy

Even the bankruptcy industry is seeing the effects of this pandemic. Arizona 341 Meetings of Creditors held at Bankruptcy Courts that have been scheduled until March 31, 2020 have been postponed. Anyone who has recently filed bankruptcy, or is considering filing soon needs to understand how this will affect a bankruptcy case.

If you have already filed for bankruptcy:

If your bankruptcy case has already been filed and you have a Meeting of the Creditors on the schedule on or before March 31, 2020, that 341 Hearing will be temporarily postponed. While waiting to hear about your new court date, please be patient. Your lawyer likely will not have any information about the new court date. However, as soon as the attorney receives notice of the new court date, he/she should inform you about the new scheduled date and time. Understand that once your bankruptcy petition was filed, an automatic stay of protection did go into effect, preventing any creditor from collecting on your debts. The automatic stay holds until your case is discharged, which is typically around 60 days after the Meeting of Creditors. Therefore, if your 341 Hearing is postponed, the stay will remain in place and protect you until your bankruptcy case is discharged. Having your 341 Hearing postponed also means that the amount of time before you can get an FHA loan will also be delayed. 

If you are considering filing bankruptcy:

Our law firm files bankruptcies electronically, so the Bankruptcy Court’s closing will not affect your ability to file. The 341 Hearing, however, may be scheduled out further than the typical 30-45 days. If you are making any travel plans in the next couple of months, keep this in mind. Because the bankruptcy will be filed with the court, you will still have the automatic stay of protection to stop creditors from collecting debt until the entire bankruptcy is discharged. 

If you have any concerns about how the Coronavirus may affect your specific bankruptcy case, please contact our law firm. The present Coronavirus epidemic is becoming a factor in many life situations. Consult with an experienced Arizona bankruptcy lawyer with any questions you may have regarding and existing or potential bankruptcy.

Filing Bankruptcy for Medical Debt

A serious concern of many Americans is their medical financial situation. It is difficult to pay off extensive medical debt and other costs that are incurred while receiving medical care. Mesa Bankruptcy Lawyers can provide you with experienced legal representation, information, and assistance if you need guidance as you work through medical debt. 

Medical debt can be wiped out through bankruptcy, but will your Doctor eliminate you as a patient?

The U.S. spent around $3.5 trillion on health expenses, more than any other country in the world. Some experts predict that the average healthcare cost per person in the U.S. will be about $15,000 by 2023. Many individuals are dealing with overwhelming medical bills. In fact, approximately 25% of bankruptcy cases include significant medical debt. 

Will your medical provider drop you after you file for bankruptcy?

A legitimate and common concern is not knowing if a person will lose their doctor if they file bankruptcy to discharge medical debt owed.

Doctor bills are unsecured debt, and can be eliminated in a Chapter 7 bankruptcy. If you file bankruptcy and owe money to your doctor, this debt would be listed in your bankruptcy petition. This doesn’t necessarily mean that you have to change physicians. 

The short answer is, in an emergency medical situation, regardless of the ability to pay or insurance status, everyone is entitled to initial treatment. A federal law called the Emergency Medical Treatment and Labor Act ensures that anyone who seeks medical attention in an emergency department be stabilized and treated. 

When dealing with a non-emergency health provider (including primary physician) may refuse treatment if their fees have been discharged in a bankruptcy. Most medical providers, however, do understand why clients need bankruptcy protection when faced with overwhelming medical debt. Many physicians continue to keep patients as long as they show willingness to pay for future visits. Also, if a medical bill cannot be paid on time, it is crucial that your hospital or doctor’s office be notified immediately. Also, the facility should be able to give you insight on what would happen to your patient status if you do file bankruptcy. 

Second Bankruptcy Spells the End for Gymboree

Second Bankruptcy Spells the End for Gymboree

Gymboree Plans on Closing All Arizona Stores

Gymboree files bankruptcy, Mesa store to close

Gymboree store in Dana Park, Mesa, Arizona

The signs are posted in the stores already as Gymboree, the San-Francisco based major children’s clothing retail store, is reportedly filing Chapter 11 bankruptcy. Additionally, the retail giant will close all 800 of it’s stores including those in Phoenix, Tucson, Mesa, and throughout the valley.

With over one billion dollars of debt, Gymboree is expected to not only file for bankruptcy in the past 2 years, but this 2nd bankruptcy protection, but this 2019 bankruptcy should force Gymboree to close all of it’s stores.

Gymboree has filed for bankruptcy protection before.  In 2017, Gymboree filed for bankruptcy protection which led to the closing of 350 stores.  Now the company has around 900 retail stores in the U.S. and Canada operating under the three brands.  The 2017 bankruptcy filing allowed the company to re-organize it’s debt.  The hope was that this debt reorganization would allow the company to make a comeback and not only survive but thrive. It appears the first bankruptcy is going to end up as a failure.

Mesa Gymboree to Close as Company Files for Bankruptcy

The children’s clothing retailer filed for bankruptcy for the second time in less than two years earlier this week. This bankruptcy will bring about the end of its flagship brand.  Many stores, once staples in malls and strip malls alike, are facing a similar fate.  The on-line presence of Amazon, Walmart Delivery, and even Ebay have forced brick and mortar stores out of business.

Gymboree Group after filing bankruptcy, said it plans to start closing all of its Gymboree and Crazy 8 branded stores, according to the filing. Thus, about 800 stores will soon close.

A report from The Wall Street Journal states that the company will file bankruptcy in order to liquidate Gymboree, Crazy 8, and Janie and Jack stores. The Janie and Jack stores may be saved if a buyer is found by the company for the brand. Currently, approximately 139 Janie and Jack stores are in operation across the nation.

Initially, Gymboree was founded in the 1970’s. Initially, the company offered activity and music classes. Later, in the 1980’s they launched a chain of clothing stores. The clothing stores are what they are most noted. In 2016, the Gymboree Play & Music became a standalone brand owned by an education company. The bankruptcy filed earlier this week, according to representatives, does not include these franchised Play & Music centers.

Thus, with many of our favorite stores and retailers going out of business and filing bankruptcy, it becomes obvious that financial hardship can hit even some of the most established brands.  Life for individuals can throw us tough times that may lead to bankruptcy or other tough financial times.  Debt relief and a fresh start is only a call away.  Contact an Arizona debt relief lawyer and find out the many options available to you.

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Will I get back the money that was garnished from my pay checks after I file for bankruptcy?

Wage Garnishments:  Can you get back the money that was garnished from my check after filing bankruptcy in Arizona?

wage garnishment in Arizona Declaring bankruptcy stops wage garnishments from creditors where they are in the process.  However, you won’t necessarily get any of the money back that has already been taken from you through the garnishment.  The idea is to stop a garnishment before your creditors take action against you.  That is the best way to assure that you won’t lose any of your hard-earned money in a garnishment.
A bankruptcy filing will stop any future pay checks from being garnished. Any funds that had been taken prior to the filing of your bankruptcy petition will not be returned. Your bankruptcy trustee may be able to recoup any funds taken up to 90 days prior to your filing.  However, those funds are considered those a preferential payment to a particular creditor.  The bankruptcy trustee takes that money and uses it in your bankruptcy estate to be distributed evenly among all of your creditors.
However, sometimes a garnishment will continue to be taken after the filing of your bankruptcy petition if proper notification is not given and those funds are able to be returned. Seeking the assistance of our Mesa bankruptcy attorneys is the best way to assure that your wages aren’t garnished any further.
File Your Bankruptcy Prior to Your Payroll Cutoff
It is important to realize that your filing date must be before the end of your pay period, not your pay date.  If your pay period ends before the date of your bankruptcy filing those funds will also be lost.  Time is of the essence when contacting an experienced Mesa bankruptcy lawyer if you are wishing to stop your wages from being garnished.
Hiring an attorney can help make the process of stopping a garnishment run much more smoothly.  Your Mesa garnishment attorney will notify both your payroll department and the creditor who is garnishing your wages regarding you declaring bankruptcy.  The automatic stay of the bankruptcy starts as soon as you file and stops the wage garnishment.
It is also important to realize that there are many signs that a garnishment is pending. Prior to a garnishment being put in place; you will receive: First, a law suit Summons.  Next, you will get a Notice of Default Judgment, and then finally, a Writ of Garnishment. Filing your bankruptcy proactively upon the receipt of the Summons can make sure that the garnishment never starts.
The experienced attorneys at My Arizona Lawyers can provide you with a clear deadline and target date to file to ensure your case is filed before a garnishment stops. It is important to call our Mesa bankruptcy attorneys and schedule your free consultation as soon as you are served with any legal paperwork.  Our Mesa Bankruptcy Team are experienced in stopping wage garnishments and will work with you to help you keep as much of the monies you have worked so hard to earn.

Is a Bankruptcy Imminent for Sears?

Sears is likely to file Chapter 11 bankruptcy protection. The company plans to plow through the upcoming holiday season, but is leaning toward bankruptcy. The Chapter 11 filing would allow a plan to restructure, versus liquidating immediately.

Department store picture: Sears may file bankruptcy blog Sears Holdings is the parent company of Sears and Kmart. According to a recent public records, it is still operating 506 Sears locations (360 Kmart stores).

It is likely that Sears will announce that it will file for bankruptcy, and if this does happen, the nation’s once largest retailer will need a reorganization plan. Because of competition such as Amazon and Walmart, Sears has been struggling as it tries to keep its retail business appealing to shoppers.

With a deadline to pay severe debt, all signs are pointing to Sears Holdings filing bankruptcy.  Surrounding the financial troubles of the company are reports of preparations for filing. Typically, a company that files for bankruptcy negotiates a loan to remain in business while going through the bankruptcy process. Also reported was Sears’ management wanting to use the protection of Chapter 11, which uses a reorganization and restructuring plan (as opposed to Chapter 7, which liquidates and leads to closures).

In 2005, Sears and Kmart formed Sears Holdings and had 3,500 stores in the United States between them. Currently there are under 900 stores following a series of store closings. Sears has announced 46 store closings.

Some reports are calling a bankruptcy filing imminent. If the retailer can negotiate a deal with lenders, it may allow its 900 stores to stay open through the holidays. Some of the Sears stores, however, would have to close immediately (approximately 150 stores). Challenges still remain for the company, however, even if it remains in business over the holidays.

Unfortunately, retail businesses don’t have a great record for success after bankruptcy. Toys R Us, for example has been forced to liquidate after filing a Chapter 11.  Sears does have some value in the Kenmore brand.

Will Filing Bankruptcy Affect Court Fines and Penalties?

Getting a speeding ticket is nothing more than a nuisance in most cases. You pay the fine, maybe you consult with an attorney, and you go on about your business. But if you are having financial troubles, a speeding ticket or other traffic citation can be a major blow. You may be struggling to figure out how you’re going to pay your mortgage this month, so a ticket that carries a fine and potential attorney fees can throw a major wrench into your finances.

When things are getting this bad, it might be time to consider filing for bankruptcy. Depending on what type of bankruptcy you file, you might be able to get your unsecured debts discharged (eliminated), or you might be able to negotiate a repayment plan that makes your monthly expenses more manageable.

Filing Bankruptcy

Not all debts are discharged in a bankruptcy filing. Some people have questions about things like tax debts or student loans. Others are particularly interested in court fines and penalties. Here’s what you need to know:

Traffic Fines

Traffic fines are the most common government fines that the average person will get. You can get fines for speeding, parking in the wrong spot, driving with a broken headlight, and other minor infractions. Of course, you can also be fined for more serious infractions, such as driving under the influence or reckless driving.

Unfortunately, traffic fines cannot be discharged in a Chapter 7 bankruptcy. You will have to pay these no matter what your financial situation is.

Government Fines and Penalties

There are many other situations in which you might have to pay a government fine or penalty. You might be fined paying music at your party a little too late. Or you might get a fine if your dog gets out of the fence and is caught running around the neighborhood.

Again, any fines or penalties you owe to a court or other government entity cannot be discharged in a bankruptcy filing. You will be left with these bills, no matter what else happens in your bankruptcy.

How Bankruptcy Can Help with Fines

Though you can’t discharge court or government fines or penalties in a bankruptcy filing, there are other ways that filing for bankruptcy can help with these expenses.

If you file for Chapter 7 bankruptcy, you can free yourself from excessive debts, such as credit cards with high balances and huge medical bills. When you no longer have to pay off those balances, you will have a lot more money each month, and that should give you the means to pay off your court fines and penalties.

If you file for Chapter 13 bankruptcy, you will have a debt repayment plan that will make it easier for you to pay each month. You will have one monthly payment in an amount that is manageable for your finances. In many scenarios, it is possible to include some court fines and penalties in your Chapter 13 repayment plan.

Working with an Attorney

A good attorney can help you fight charges that result in court fines and penalties. Though you might feel like you can’t afford the legal help, hiring an attorney can actually save you money in the long run. Depending on the circumstances of your case, your attorney might be able to get the charges dismissed and the fines dropped. Your attorney might also keep charges off your record, which can help with things like keeping your car insurance low, ensuring that you are able to get a job, and ensuring that you are able to get better credit.

An experienced bankruptcy attorney will help you understand your financial options and what the best debt-relief plan might be for you. Mesa Bankruptcy Lawyers can help you understand how bankruptcy can help you, and My AZ Lawyers can help you with things like criminal charges, traffic violations, DUI cases, and personal injury claims, among other legal matters. Contact My AZ Lawyers to talk about the fines and penalties you are facing and to explore your legal options for evading the charges or minimizing the fines. Our attorneys will do everything they can to help you avoid penalties and to get back on firm financial footing.

Resolutions to Become Debt Free in the New Year

Millions of Americans suffer from it. No one wants to be in it. However, fact of the matter is more Americans are in debt than the number who are debt free. Being in debt can be a stressful experience and is no way to start off your new year.

resolutions to become debt free in the new year

No matter what happens in your life, if you signed on the dotted line for a loan or financial obligation, you are going to have to pay it back; regardless if you have a life altering experience like: losing a job, getting into an accident, getting divorced, dealing with medical expense, or even if you have increased expenses due to having a child. The best thing that you can do is make plans to be financially stable in case your circumstances change unexpectedly.

During the holidays a lot of people facing debt are guilty of an unintended consequence of too much holiday spending. Too many presents and too much Christmas giving often leave people in unstable financial situations going into the new year. So if you’re ready to put the Christmas cheer and overspending behind you and want to get on a path to financial freedom, it’s important to have a plan of attack.

Here’s are a few pointers on how to get yourself debt free:

Stop borrowing money.

This seems simple but what that means is that you have to stop using debt to fund your lifestyle. This means no more using credit cards, no more financing furniture, no more brand new cars or car leases that you can’t afford. By not adding to your debt it will allow you to focus solely on the debt that you have currently.

create budge to get out of debt Create a budget.

Organize a spreadsheet on which you track all of your income, expenses, and debts. To pay off your debt, your income MUST exceed your expenses. If it does not, you will have to cut more expenses or work more to increase your income.

Look at your budget and figure out where you can cut expenses so you can have more money available to put towards paying off your current debts.
This can be difficult to do, but it is a necessary part of the process.

Track Your Spending and NO Unnecessary Purchases

A tactic that will help is to carefully track purchases and eliminate any careless “accidental” spending. Going to the mall? Consider first what you will be purchasing and write down what you need. Leave credit cards behind! Bring only the cash you need to spend and that’s it. Then keep track of your purchases and everything you got carefully.

Try to pay off your debts with the higher interest rates first.

Pay off your debts with the higher interest rates. Your debts with higher interest rates will always be unsecured debts like credit cards, payday loans, and unsecured personal loans. It is important to remember, the higher the interest rate, the faster these debts will grow. Pay off your highest interest debts first to minimize the total of what you will be paying off.

woman spending extra money to pay off debt Spend Any Extra Money You Have… On Your Debt

In order to get yourself out of debt you will need to take any extra money you hadn’t factored in your budget and put it towards your debt. Examples of money you hadn’t factored in would include: a tax refund, selling a car or a possession, an inheritance, winning a pool or a bet…etc. The more money you can put towards your debt, the faster it will disappear and the sooner you will be debt free.

The debt you have doesn’t have to be forever, with a little discipline and hard work you can make it go away. Use the helpful ideas we have included, develop your financial game plan, and start your journey today towards being free of debt.

These are just a few of the steps that you can take to become debt free. There are organizations and resources available that can help you achieve your financial resolution. The debt relief experts at My AZ Lawyers are a great place to start. Contact us today to speak to a professional debt relief attorney in Mesa.






What’s the Difference Between Discharge and Case Closure?

whats the difference between discharge and case closure

Filing for bankruptcy in the state of Arizona is messy. The end of the process seems to be nowhere near. Your Mesa bankruptcy lawyer becomes part of your life for the next few months, or years, depending how severe the case might be. Then, during court or your attorney mentions your case was discharge, the end is now right in front of you. Little do you know, that a discharge is only the beginning of the end. When one hears a legal case was discharge, that person believes that the case was dismiss, let go, over or close. That is incorrect. There is a difference between between a discharge and a case closure. My Arizona Lawyers will explain and simplify what the distinctions are.

A Discharge Bankruptcy Case

What is a discharge in bankruptcy? The following is an explanation from the United States Courts’ website:

“A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.

Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.”

documentation files of court discharge We believe that the explanation above is clear, but we will break it up for you. Basically, a discharge declares that the debtor is not legally required to pay any debts that were discharge in court or through an attorney. Also,you will not be fully relief you from all your debts. However, the debts that were discharge, the creditors will stop taking any form of collection action on the discharge debts. That means no more phone calls or letters from the creditors. The discharge only focuses on debts, not a bankruptcy trustee. You need to have that very clear. A bankruptcy trustee will still be sending you a demand letters. Talk with your bankruptcy lawyer in Mesa, and learn about your best options on how to get that trustee situated before the case closure.

Bankruptcy Case Closure

A case closure simply means that the court’s involvement with the case is done. The court’s involvement is typically not longer needed after all applicable deadlines for objections have passed and the case trustee has submitted a report indicating his work is complete. As the debtor, you need to understand that the discharge will not get rid of the trustee. You will be required to address with all the requests from the trustee until the case closure. Basically, the purpose of a bankruptcy case closure is to declare that you, as a debtor, have met the request that the trustee ask for. Have constant communication with your bankruptcy attorney in Mesa to concluded with a case closure as soon as possible.

a case closure getting signed off If you believe you need to claim bankruptcy in the state of Arizona, you need the guidance of a bankruptcy lawyer from a reputable Mesa bankruptcy law firm. The bankruptcy laws are similar and yet distinct in every state. This is one of the reasons why you need an attorney to guide through the process in the state of Arizona. Again, claiming bankruptcy is messy and have negative effects on your credit report. If you want the case to end in the best case scenario, contacting a bankruptcy lawyer is that best form of action.

The attorneys at My Arizona Lawyers have the knowledge and expertise to help with your case. Each bankruptcy lawyer at My Arizona Lawyers have the experience in helping clients get debt relief. That can be through a Chapter 7 or Chapter 13 filing, based on the case. What are you waiting for? Call us at 480-833-8000, and we will help you reclaim your finances.






Mesa Bankruptcy Lawyers
4065 E University Dr #500
Mesa, AZ 85205
(480) 470-0005

If I File For Bankruptcy, Will It Hurt My Credit And Prevent Me From Buying Another House?

Filing for bankruptcy can be tricky, and even worse can be the consequences that come with it. If you are looking to file for bankruptcy with help from a Mesa bankruptcy attorney, you probably, no doubt, have a lot of questions that can’t rightfully be answered as sensitively as they should be. Before you take this step in trying to reclaim your financial security, you should make sure you have all of the facts first. Talk to your Mesa bankruptcy lawyer and get every detail you can before they help you sort out your financial troubles. Here are a few basic things you need to know before you do this.

bankruptcy credit buying home

The benefit to filing for bankruptcy is that once you do it, you will have no more debt. Unfortunately, this does not mean that you can spend exorbitant amounts of money. A lot of the times, the first thing that new bankruptcy victims want to do is to make a huge purchase like a house or a car. If you want to buy a house, a lot of lenders will want you to put down at least a 20% down payment. This may seem like a lot of money, but it is more secure for them to ask for this, especially when lending to someone who has just filed for bankruptcy. A good way to save up for this is to make sure that you cut your unnecessary expenses. Dining out, cell phones, cable charges, and excess spending. The larger the down payment, the more likely it is that you will get a better financing deal with a lender.

Another negative side effect of filing for bankruptcy in Mesa is that it leaves your credit in ruins. This is no secret. Having bad credit can bar you from making larger purchases that you might need to make in the future. Once you file for bankruptcy, you should automatically start rebuilding your credit so that you can eventually make those big purchases again. Your first step in doing this is to make sure you pay your debts as soon as possible. If you do this, your creditors will report to the credit bureaus that you have made your payments in a timely manner. If you owe money on your student loans, pay those in a timely manner. If you’ve purchased a car, make sure those are on time. Reaffirming your car loan if you are bankrupt will help restore your credit, and this will also be reported to the credit bureaus. But you should always make sure that it will be beneficial to you, because sometimes reaffirming your car loan can also be detrimental.

Sometimes credit lenders can be dishonest, so make sure to check your credit reports as frequently as possible to be absolutely positive that they are reporting your payments. If they aren’t, contact an Arizona bankruptcy lawyer to file a dispute and show proof of your payments. If you have reaffirmed your car after the bankruptcy instead of during the bankruptcy, this could be the result. In addition, if you get a credit card after you have filed for bankruptcy, make sure that you pay it off entirely within a two or three month period. This will get you much further in the endeavor of trying to reestablish your credit and make sure your credit score is increasing periodically.

credit score Although it may not be easy, and you must be careful at all times, buying a home after filing for an Arizona bankruptcy is entirely possible. You have to be vigilant and make sure that all of your finances are in order. You should always keep in mind the troubles you went through before and during the bankruptcy. This is the only way that you can really avoid doing it again. You also need to be patient. You may think that once you file for bankruptcy, your troubles are over, but in order to prevent it from happening again, you can’t go back to your frivolous ways. Save your money, take time to gather yourself and your funds, and soon you will be perfectly capable of buying a home once again.

Filing for an Arizona bankruptcy with a professional bankruptcy lawyer is as easy as calling My AZ Lawyers. With our friendly experts and our caring touch, you can have your bankruptcy filed and taken care of in a timely manner. Get your life back on track as well as your finances and make sure to schedule a free consultation with Mesa Bankruptcy Lawyers.






Mesa Bankruptcy Lawyers
4065 E University Dr #500
Mesa, AZ 85205
(480) 470-0005

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