Phoenix Personal Bankruptcy Lawyers

When Financial Problems Become Too Big a Burden

Every year, thousands of Arizona residents come face to face with the fact that life has thrown them a financial curveball and they need help.

Extended illness and high medical bills, a layoff or job loss, more children in the household or an end to child support: these situations can happen to anyone, but that doesn't make it any easier to handle if it's happened to you.

If you find yourself feeling overwhelmed by unmanageable debt, there is help. Contact the experienced and caring Maricopa County bankruptcy attorneys at Carmichael & Powell, P.C. We've helped thousands of residents in Phoenix, Scottsdale, Mesa, and Glendale find financial peace of mind and get back on their feet with Chapter 7 or Chapter 13 personal bankruptcy, and Chapter 11 business bankruptcy.

Bankruptcy attorney Donald Powell is a certified bankruptcy specialist who works closely and personally with each client. He is listed as a "Preeminent Lawyer" with Martindale-Hubbell and carries an AV-rating, the highest rating of legal knowledge and ethics. You will find few Arizona attorneys with such qualifications.

Contact our Arizona bankruptcy law office if you'd like to learn more about whether personal or small business bankruptcy is an option for you.

Chapter 7

If your financial situation is such that:

• You have high credit card debt,
• You are burdened by huge medical bills that you cannot pay,
• You have missed mortgage payments or car payments; or
• You have lost a source of income, or your income is completely inadequate to pay your bills, even if they were spread out over a longer period of time.

Your situation may be greatly helped by Chapter 7 bankruptcy. Chapter 7 personal bankruptcy may give you the "fresh start" you need. Chapter 7 bankruptcy eliminates credit card debt and medical bills.

Not everyone will qualify for Chapter 7, but if you do, it can be a great relief, allowing you to start over again without the weight of debt on your shoulders. Ask us if you qualify.

Chapter 13 Debt Reorganization

Chapter 13 bankruptcy may be the best option for you if:

• You had previously declared bankruptcy in the past ten years, or
• You experienced a temporary loss of income or a temporary increase in expenses that allowed your bills to get out of control, or
• You have a lot of credit card or consumer debt, but you could repay some or most of it if given enough time.

If you qualify for Chapter 13 bankruptcy, your attorney will work with the bankruptcy court to reduce the amount you owe, stop late fees and fines, and arrange an extended payment plan to see that a reduced amount of your debts are paid off in 3 to 5 years.

With an Arizona Chapter 13 bankruptcy, your credit will be rebuilt, and you will find yourself back on solid financial ground.

To find out if bankruptcy is a good option for you, contact the Phoenix bankruptcy lawyers at Carmichael & Powell for a free initial consultation.

We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.