-Phoenix Bankruptcy Lawyer

Our Phoenix Bankruptcy Lawyer use bankruptcy as a legal tool that residents of Maricopa County regularly need when they are faced with debt that they cannot pay. Therefore, if you are considering filing for bankruptcy, the Phoenix Debt Relief Lawyers at Arizona Zero Down Bankruptcy can help you get a “Fresh Start” through Filing Chapter 7 or Chapter 13 Bankruptcy with $0 Down. Therefore, filing bankruptcy with our Phoenix Bankruptcy Lawyer is just a phone call away and you can file today with no money down.

Residents of Phoenix, Arizona and Maricopa County struggling with debt have bankruptcy available as a tool to get their financial situations under control. Thus, our affordable Phoenix bankruptcy lawyers have experience in filing both Chapter 7 bankruptcy and Chapter 13 bankruptcy petitions in Arizona.  Whereas, each chapter of bankruptcy provides several debt relief benefits to individuals, couples, and businesses in Phoenix. Our Phoenix bankruptcy attorneys can help you find out which chapter of bankruptcy is best.  Plus, find out if you qualify for bankruptcy.  Also, learn how to become debt free with our experienced Phoenix Debt Relief team for as little as $0 down. Your “Fresh Start” and low cost legal representation is just a phone call away.  Therefore, you should schedule your free bankruptcy consultation today to learn more.

Bankruptcy Attorneys in Phoenix, ARIZONA zero down bankruptcy, Phoenix Bankruptcy Lawyer


What is Bankruptcy?

Bankruptcy is a legal procedure created to help people who are in debt. Therefore, most people choose to file either a Chapter 7 or Chapter 13 bankruptcy, which are explained in detail below. Plus, you can file your bankruptcy singly or jointly if you are married. Also, each state has its own specific exemptions and requirements. Arizona’s residency requirement is stricter than some states’. So, you must reside in Arizona for at least the greater part of 180 days before you are eligible to file. Thus, you should consult a Phoenix Bankruptcy Lawyer.  Additionally, if you aren’t sure that you qualify to file for bankruptcy protection in Arizona, a quality bankruptcy attorney in Phoenix can assist.

What is the “Automatic Stay”?

The automatic stay is an order that starts when a bankruptcy is filed. It’s purpose is to protect the debtor and their assets from creditors.  The automatic stay stops all collection efforts.  It is designed to give the debtor some breathing room to work out a debt relief plan.  In essence, the automatic stay freezes the debtor’s assets so that individual creditors cannot get at them.  The automatic stay preserves a debtor’s ability to pursue a “Fresh Start”.

When you file either chapter 7 or chapter 13 bankruptcy with our Phoenix Bankruptcy Lawyer, your assets will be frozen by the Automatic Stay of Protection. This stops all creditor collection actions.  While the stay is in effect, your creditors may not repossess your vehicle, foreclose your home, shut off your utilities, or garnish your bank account or wages. You will be protected by the stay until your case is discharged or dismissed.

You Should Consider Declaring Bankruptcy If You…


  • Stop harassing creditors

  • Save the Family Home and Stop Foreclosures

  • Stop lawsuits

  • Help you avoid bank levies and garnishments

  • Stop repossessions

  • Eliminate Judgments

  • Lower interest rates

  • Lower payments

  • Allow you to avoid IRS levies

  • Stop Garnishment of your wages

  • Strip second mortgages through Lien Stripping

  • Give you a “Fresh Start” as there is Life After Bankruptcy




Many Phoenix bankruptcy attorneys require you to pay the court filing fee and their entire legal representation fee before your case is filed. Therefore, our Phoenix bankruptcy office offers $0 down payment plans for qualifying individuals filing Chapter 7 bankruptcy. Additionally, our payment plans can extend as long as 12 months post-bankruptcy. Plus, you can choose: monthly, bi-weekly, or weekly payments and you choose the payment plan start date (within 30 days after your bankruptcy is filed). Lastly, your payments will be credit reported, helping you rebuild your credit score faster.


A Chapter 7 Bankruptcy is a liquidation of your unsecured debts. Debts that are dischargeable in a Chapter 7 Bankruptcy are credit cards, medical bills, registration loans, personal loans, and some back taxes. Also, you are required to submit a petition with all of your financial information, take credit counseling courses, and attend a 341 Meeting of Creditors.


A Chapter 7 Bankruptcy will remain on your credit for 10 years. Additionally, while it will be two years until you are eligible for FHA home loans, you can still rent and open new lines of credit until the bankruptcy is off your credit.


A Chapter 13 Bankruptcy is a reorganization of your debts. Filed with an experienced Arizona Chapter 13 Attorney, payments are spread out in a payment plan lasting 3-5 years. Therefore, having any arrearages on your mortgage or other loans, a Chapter 13 gives you the chance to catch up gradually.  A chapter 13 bankruptcy is the best chapter of bankruptcy to file if you are behind payments on your mortgage and struggling to catch up.


Your payment plan will be determined using your income, reasonable expenses for your family size, and the amount of debt. Any outstanding balance on your vehicles, a fee for the trustee, your arrearages, your attorney’s fees, and a portion of your unsecured debts will be included.

The Automatic Stay goes into effect once your bankruptcy is filed. It protects you against different forms of debt collection, including wage garnishment, repossession, and foreclosure. The stay remains in effect until your case is discharged or dismissed. At that time, collection on non-dischargeable debts will resume, but collection on dischargeable debts will be halted permanently.


The Means Test will take your and your spouse’s (if applicable) income, subtract paycheck deductions, and also subtract reasonable monthly expenses set forth by the court. Even if your income is above your state’s median level, you can file a Chapter 7 if the number you reach from the Means Test is low enough. You should consult an attorney to make sure you conduct your Means Test correctly.


There are several situations that may arise when a Chapter 13 Bankruptcy is preferable to a Chapter 7 Bankruptcy.   If you are living in Phoenix or Maricopa County and want to know which Chapter of Bankruptcy is best for your situation, take a read of this article.  Alternatively, you can call our Phoenix Bankruptcy Office at (602) 609-7000.

Whereas, a Chapter 13 bankruptcy is the only choice if you are behind on your mortgage or business payments and you want to keep your property.  You may also be able to strip a 2nd mortgage in a Chapter 13.  Additionally, a chapter 13 bankruptcy, (through the Ch 13 repayment plan,)  allows you to make up their overdue payments over time.  Consistent payments in your repayment plan will allow you to reinstate the original mortgage agreement. In general, if you have valuable property that is not covered by the Arizona bankruptcy exemptions that you want to keep, Chapter 13 bankruptcy may be the better option than a Chapter 7.  Another reason people file Chapter 13 bankruptcy is they make too much income to file a Ch. 7.  Also, debt that is not dischargeable in a Chapter 7 (e.g. certain taxes) makes a Chapter 13 a viable Phoenix debt relief option.

However, far and away, more people in Phoenix, Maricopa County, Arizona simply want to get rid of their debt and seek a “Fresh Start“.  Chapter 7 Bankruptcy provides an attractive choice for Phoenix residents as they simply eliminate their heavy debt burden without paying any of it back.  

How much does it cost to file a Chapter 7 Bankruptcy?

The mandatory fee you will pay to the court for a Chapter 7 bankruptcy is $335. However, if you can’t afford the filing fee, you may be able to have it waived or pay in installments. Plus, the bankruptcy court is likely to deny these requests if you are represented by an attorney unless they are working pro bono (for free).

Attorney fees in a chapter 7 bankruptcy vary a lot.  Plus, your attorney’s fees will likely be substantially higher than the court filing fee. Phoenix bankruptcy lawyer cost vary.  Likely, debt relief lawyer fees are based on a few other factors. For instance, if your case is highly complex, your Phoenix BK Attorney may need to charge a bit extra. Also, attending additional hearings such as a reaffirmation hearings may come with an added fee. 

Keep in mind, an experienced attorney with a good reputation usually charges a greater fee than a newer attorney.  Experience matters! Lastly, some attorneys offer special services like $0 down payment plans. Attorneys often must charge a premium to be able to offer such programs. You will also need to pay for your credit counseling courses, but these fees are negligible compared to the filing fee and attorney’s fees.

How much does it cost to file a Chapter 13 Bankruptcy?

The attorney’s fees for a Chapter 13 are typically much higher than for a Chapter 7. However, you may be able to reach an agreement with your attorney for a small amount down, and work the rest of your attorney’s fees into your payment plan. The court filing fee for a Chapter 13 bankruptcy is $310.

How long does a Chapter 7 Bankruptcy stay on a person’s credit?

Chapter 7 Bankruptcy in Phoenix remains on your credit for 10 years from the date your case is filed.  Consult our Phoenix Zero Down bankruptcy team for details.

How long does a Chapter 13 Bankruptcy stay on a person’s credit?

Chapter 13 Bankruptcy remains on your credit for 7 years from the date your case is filed.  This is a shorter period of time than a Chapter 7.  Contact our Phoenix Bankruptcy team for details.

Filing Bankruptcy in Phoenix, Explained

Bankruptcy is a legal mechanism that exists to provide a means for those struggling with debt to either liquidate it through a chapter 7 bankruptcy filing or reorganize it in a chapter 13 bankruptcy.  Chapter 7 bankruptcy is the most common form of consumer bankruptcy in Phoenix, Maricopa County, Arizona. However, many people in Phoenix are disqualified from filing Chapter 7 as they do not meet the chapter 7 qualifications.  Another possibility of filing bankruptcy when you do not qualify for a chapter 7 is filing chapter 13 bankruptcy.

A Chapter 13 bankruptcy filing in Phoenix organizes debts into a payment plan that lasts 3-5 years. To qualify for either chapter of bankruptcy, you must meet Arizona’s 180-day residency requirement. Thus, our Zero Down Phoenix bankruptcy lawyers can evaluate your financial situation and advise you on the best chapter of bankruptcy.  Also, our attorneys will do a free debt evaluation with you to make sure you meet all the applicable eligibility requirements. Get debt free, Phoenix!