Mesa Bankruptcy Myths

Top Bankruptcy Myths from Mesa Lawyers of Bankruptcy Include:


  • Creditors can still harass you after you file for bankruptcy. Once your petition has been received by the court, an automatic stay will be issued that will put an immediate stop to any and all creditor harassment.


  • You only get one chance at bankruptcy, you can only file for bankruptcy once in your life. A person can file for Chapter 7 bankruptcy once every eight years, and even more frequently for Chapter 13 bankruptcy.  Contact a Mesa bankruptcy lawyer to see which chapter of bankruptcy is the best fit for you.


  • Any type of debt can be discharged in a bankruptcy. Child support, alimony, educational loans and certain types of taxes cannot be discharged in Chapter 7 bankruptcy.


  • If you file for bankruptcy you are somehow stealing and breaking the law.  You could go to jail!   This is just NOT TRUE.  Over one million people choose to file for bankruptcy every year, whether through Chapter 7 bankruptcy or Chapter 13 bankruptcy.  The people filing for bankruptcy are good people, just like you, who are in difficult financial situations.While there is always a bad seed in every group, the majority of bankruptcy filers are in desperate need of Mesa debt relief and turn to the assistance of Mesa bankruptcy lawyers and use the advantages of bankruptcy to assist them through their difficult time. Whether you lost your job and can’t pay your credit cards, recently got divorced, or became ill or injured and incurred significant medical bills, you are not a bad person for choosing bankruptcy relief.


  • You will never have credit or be able to buy a car or home if you file for bankruptcy protection in Mesa, AZ.  After your bankruptcy case has concluded, you can immediately begin rebuilding your credit. Our Mesa bankruptcy lawyers will be happy to help.


  • A married couple in Mesa must file a joint bankruptcy petition if they fie bankruptcy. Spouses can for bankruptcy together or one spouse can file for bankruptcy on their own. Spouses DO NOT have to file a joint bankruptcy.


  • If you file bankruptcy in Mesa, all of your assets will be sold in a Chapter 7 bankruptcy. Many assets are exempt from liquidation such as Social Security, pensions, workers’ compensation and even your home or vehicle depending on its value.


  • No matter what, Taxes can not be discharged if you file for bankruptcy protection. Taxes can be discharged in both a Chapter 7 and Chapter 13 bankruptcy if the taxes meet certain criteria.


Bankruptcy Lawyers in Mesa, Arizona

Myths about bankruptcy and Declaring Bankruptcy in Mesa, Arizona

There are numerous misconceptions about filing bankruptcy Arizona, Maricopa County and Mesa.  If you are wanting to declare bankruptcy there are things to be aware.  These are known as Bankruptcy Myths.  These misconceptions can deter people in  Mesa and surrounding communities from taking advantage of the opportunities that filing bankruptcy has to offer.  There are, unfortunately, many bankruptcy myths regarding the subject of bankruptcy that can prevent or in some cases disastrously delay individuals of their legal right to file for bankruptcy protection.

If you are facing a “fact” about bankruptcy but aren’t sure.  Do not hesitate to contact an experienced Mesa bankruptcy attorney to find out what is fact and what is nothing more than a bankruptcy myth.  Misconceptions about bankruptcy can lead to costly mistakes and severe consequences if they are used wrong.  Don’t fall victim to an Arizona bankruptcy myth.

As we cannot dispel all of these misconceptions in one page, please set up a free, no obligation, consultation with one of our Tucson bankruptcy lawyers. Our Mesa, Arizona based Mesa bankruptcy attorneys will give you the true facts about bankruptcy and dispel many of the false beliefs that you may have heard.  Know the facts when considering the option of filing for bankruptcy in Mesa, Arizona.






The information you obtain at this Mesa Bankruptcy Law web site is not, nor is it intended to be, legal advice. You should consult a Mesa Bankruptcy lawyer for advice regarding your individual situation. Our Arizona Bankruptcy lawyers and staff invite you to contact our Mesa Bankruptcy Law Firm and welcome your calls, letters, and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.  Thank you for visiting our Mesa debt relief web site.
Our Mesa bankruptcy Lawyers are located in Mesa, Arizona, Phoenix, Arizona, and serve bankruptcy clients in Mesa, Scottsdale, Phoenix, Glendale, Gilbert, Queen Creek, Tempe, Chandler, Pleasant Valley, Avondale, Cashion, Casa Grande, Surprise, Prescott, Marana, Tucson, East Mesa, West Mesa, Fiesta Mall Area, Dobson Ranch, Las Sendas, San Tan Valley, Superstition Springs, Signal Butte, Alma School Road,  El Mirage, Peoria, Sun City, Sun City West, Tolleson, Youngtown,  Flagstaff as well as Pima, Pinal, and Maricopa County.


Leave a Reply