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3 Reasons Why You Should Not Have Credit Cards in 2017

It is 2017 right now, and now is always the best time to begin making your way out of debt. Phoenix Bankruptcy lawyers know that credit card debt is the most common reason Phoenix residents file for bankruptcy. What is the most common reason for credit card debt? Overspending. You may not think of yourself as someone who spends a lot of money, but maybe you need to rethink that. The only absolute necessities of life are food and shelter, almost everything else is negotiable. Here are some reasons to get rid of those credit cards in 2017.

3 reasons why you should not have credit cards in 2017

#1 The Goal of Credit Card Companies Is to Keep You in Debt!

Break Free From Credit Card Debt Are you aware that if you owe $5000 on a credit card it could take over 20 years to pay it off making the minimum payment? Meanwhile the credit card company is getting rich off the interest you pay them. Although they would never admit it, credit card companies really don’t like customers who pay their bill in full each month, thus denying them all that interest. And heaven forbid you are late on your payments, that will incur large late fees and can legally allow the credit card company to raise your interest rate much higher. It’s all in the fine print. Once you get behind and those fees begin to rack up it’s a fast, downward spiral of ever increasing debt.

#2 Stress Is Bad for You and Credit Card Debt Is Stressful!

credit card debt causes stressIf you find yourself feeling anxious about your debt all the time, and lose sleep at night because you are worrying about your debt, it may be time to find your way out. The first step toward debt free living is the hardest. You have to sincerely decide that you are willing to do whatever it takes to get out of debt. It won’t be fast and it won’t be easy, but it will be worth it to once again enjoy worry free days and peaceful nights. Since the credit card companies want to keep you in debt, the only way out is to stop using them. Just cut them up. That may sound harsh, but if you are in credit card debt, you have been spending more money than you have been bringing in.

#3 Devise a Plan

pay credit debt offPerhaps you have been living beyond your means, or perhaps it’s due to circumstances beyond your control, such as medical bills. It boils down to the same problem, more money is going out than is coming in. So, the next step is to either to spend less or earn more. If you can find a way to do both, you can become debt free even more quickly.

Remember, no one said it would be fast or easy. Begin by making a budget. There are numerous programs and apps available to help you. Look for any unnecessary expenses that can be cut in order to allow you to allocate those funds toward debt repayment. Remember, just making the minimum payment each month can keep you in debt the rest of your life.

Methods to Pay Your Credit Cards

Maybe you will have to continue wearing last year’s wardrobe. Maybe you’ll have to brew your morning java at home brown, maybe you will need to brown bag it for lunch. Perhaps your kids can also switch to brown bag lunches. Keep in mind, cell phones, cable TV and Internet are also expendable luxuries, not necessities.

What if your budget is already cut back to the bare bones? Then you will need to find a way to earn more money. If getting a second job isn’t an option, be creative. There are probably people in your neighborhood who would pay you to watch their children when they go out for date night. There are also people who will pay you to do their shopping or walk their dog. In addition, there are online jobs that allow flexible hours. Just remember, every extra dollar needs to go toward paying down credit card debt.

Free Consultations With Our Phoenix Bankruptcy Lawyers | My AZ Lawyers

There are two ways on paying down credit card debt. One is to choose the card with the smallest balance to apply every extra penny to until it is paid off. When that happens, allow yourself a small celebration and then move on to using the money that used to pay that credit card to pay off the one with the next smallest balance. This is known as the snowball method.

Some people prefer to begin with the credit card that has the highest interest rate. If it is significantly higher than your others that may be the way to go. The problem many people run into is that if it’s a large sum of money you are trying to pay off, it’s easy to lose momentum when it takes so long to get there. That’s why many experts advise using the snowball method.
Unfortunately, for many Phoenix, Arizona residents these steps just aren’t feasible. Perhaps you have lost your job, or even your ability to work. You may have incurred catastrophic medical expenses. If you feel there is no way out for you, contact the law offices of My AZ Lawyers for a free consultation.

Be Debt Free

The experienced bankruptcy lawyers at My AZ Lawyers can advise you on the best course of action for your specific circumstances. Our Phoenix Bankruptcy Lawyers can guide you through the process and advise you on whether it would be best to file for bankruptcy under Chapter 7 or to simply reorganize your debts in a chapter 13 bankruptcy.

Contact our Phoenix Bankruptcy Lawyers, we can help you obtain debt relief and quickly put a stop to those threatening phone calls. It’s a good feeling to start over with a fresh slate and begin rebuilding your credit score.

Published By:
My AZ Lawyers

Mesa Location:
1731 West Baseline Rd., Suite #100
Mesa, AZ 85202
Office: (480) 448-9800

Glendale Location:
20325 N 51st Avenue Suite #134, Building 5
Glendale, AZ 85308
Office: (602) 509-0955

Tucson Location:
2 East Congress St., Suite #900-6A
Tucson, AZ 85701
Office: (520) 441-1450

Avondale Location:
12725 W. Indian School Rd., Ste E, #101
Avondale, AZ 85392
Office: (623) 499-4222

negotiate down credit card debt

Ways to Negotiate Down your Credit Card Debt

Filing for bankruptcy in Phoenix is not something to take lightly. If you need to file for bankruptcy because of your credit card debt, finding a bankruptcy lawyer is the best way to go. Credit cards can be really helpful at times. But if you’re not careful, they could get you into serious trouble. You may think that you will be able to afford the payments you have racked up, but those unnecessary purchases can really come back to haunt you. Here are a few tips to negotiating down your credit card debt so that you don’t have to file for bankruptcy.

The first step to take is to determine how much you can pay on your credit card bill if you negotiate your payments. You should be realistic. Don’t go too low, or the card holders could laugh you out of the building. If you give them a realistic amount and compromise with the monthly payment, then you may just be able to reduce your debt depending on the circumstance. Being realistic is about the only way you will make it out with a lower payment or lower amount of debt. The goal is to ultimately lower the total amount that you have to pay.

When you call your credit holder, you need to ask to speak with the collections department. They are the ones who deal with matters like this, and they will be able to help you the most. Ask to go here first because this will save you a lot of time and energy from being transferred from person to person and getting none of your questions answered. This will keep you calm and courteous when you do reach the person you need to talk to. The last thing the both of you need is a rude and horrible interaction that fails to help either of you. The person you talk to has the power to help you, and if you’re rude and difficult to deal with, they will turn you down.

Another thing you need to do before you call is to research the options you have when you finally get someone on the line. If you’re drowning in debt, it will be a good thing to ask for a lower interest rate. In addition to this, you may want to ask for them to drop the late fees as well. Being in debt is difficult, especially if you don’t have the funds to make the payments. If they don’t want to drop the interest rate altogether, you could still ask for a lower one to make the amount you have to pay less. Interest can really add up in the long run, so arguing for a lower one could help you a lot. You could also offer a lump sum payment in exchange for the company to reduce the amount of principal that is due.

debit card debtAlso, you always want to keep in mind that the credit card holder wants to make money. That’s what they are in the business for. With interest, hidden fees, and other penalties, they make tons of money off other people, and they will try to do the same with you. If they don’t make money, the next thing they will try to do is not take a loss. They will do this at your expense, no matter how badly you are drowning in debt. Defaulting customers cost the creditors money, so they may compromise with you and get a portion of what’s owed to them instead of paying the collections agencies, implementing legal action, of having the debt discharged altogether when you file for bankruptcy. In addition to hurting you, it will also hurt the credit card holders. If you negotiate with the person you have called well enough, then you could reduce your debt a considerable amount and save yourself from horrible headaches in the future.

If you are in need of an Arizona Bankruptcy Lawyer, come to Phoenix Bankruptcy Lawyers, where we can help you determine what the best course of action is for you and your finances. We can help guide you in the right direction and help you make the best decisions possible for your finances. For more information about Arizona Bankruptcy attorneys, contact us today and we can help you get back on the right track!

Published By:
My AZ Lawyers

Mesa Location:
1731 West Baseline Rd., Suite #100
Mesa, AZ 85202
Office: (480) 448-9800

Glendale Location:
20325 N 51st Avenue Suite #134, Building 5
Glendale, AZ 85308
Office: (602) 509-0955

Tucson Location:
2 East Congress St., Suite #900-6A
Tucson, AZ 85701
Office: (520) 441-1450

Avondale Location:
12725 W. Indian School Rd., Ste E, #101
Avondale, AZ 85392
Office: (623) 499-4222

Guide To Student Loan Repayment Plans

The average student debt in our country is growing. Graduates in the class of 2014 had an average loan amount of just over $28,000, and they paid an average interest rate of 6 percent. The majority of college students borrow at least some amount of money to get through their education, and their debt rises if they attend a private or elite university.

Graduate students can borrow even more. The average doctor graduates with nearly $167,000 in debt, and the average lawyer graduates with at least $100,000 in debt (with the number getting closer to $200,000 for students attending the top schools).

Some people find that they are not able to keep up with their student loan payments after they graduate because their new salary is not proportional to their debt. They may have paid hundreds of thousands for a law or medical degree, but they may make a low five-figure salary right after graduation.

student loan repayment

Some struggle to pay back their student loans, and they may either put off paying other bills to have the money for the student loan or just decide to stop paying the loan altogether. Here are a few things that will increase the chance that students will actually repay their loans, according to data from the National Bureau of Economic Research:

Increased Parental Income

Most parents contribute to their children’s education if they have the resources to do so. The higher their income, the more likely they are to contribute and the less students will have to borrow to fund their education themselves. The NBER data found that for every $10,000 increase in a parent’s salary, students took out about $250 in loans. That’s not a lot, but it can add up, especially when you factor in interest.

Level of Education

Students who only get a two-year education are more likely to default on their student loans than those who attend a four-year institution, according to the NBER data. Also, students who attended for-profit colleges such as online programs were more likely to default than those who attended traditional programs.

Parent education also seemed to have an impact. Students with mothers who did not go to college were found to borrow more (only about $1,500) and to still owe more after 10 years of payments. The reason for owing more was not specified, but it could have to do with taking job opportunities that pay less or not being as financially fit due to poor education on the topic.

Amount Borrowed

It may come as no surprise that the more a student borrows, the less likely that person is to repay the loan. However, it may be surprising how even small increments can have a big impact. The NBER data showed that just a $1,000 increase in the overall debt amount led to a 0.4 percent increase that the student would not pay. Every $10,000 increase in a graduate’s salary reduced that risk. Therefore, if borrowers wanted to minimize their risk of default, they could analyze a student’s expected salary based on major or stated career goals and compare it to the loan amount.

Other Findings

Though it could not name a reason for the finding, the NBER also reported that 10 years after graduating college, black borrowers still owed 51 percent of their loan, while Hispanics owed 22 percent, Asians owed 24 percent, and whites owed 16 percent. Systemic discrimination in hiring practices could be at the root of this issue since blacks may be making less in those 10 years. However, salary information was not provided, and researchers did not look further into the issue.

Understanding these and other issues surrounding student loan debt can help educational institutions and lenders create policies that are better for graduates who have to back that debt and the lenders who want to get it back. Making changes will also help the educational institutions increase enrollment if students know that they aren’t going to be overwhelmed by debt when they graduate.

student loan bankruptcyIf you have already graduated with a mountain of student loan debt, there’s not much you can do about it now. Student debt cannot typically be discharged in a bankruptcy or included under a debt resettlement plan, but declaring bankruptcy and discharging your other debts can free up the money you need to pay your student loan on time and to save yourself penalties and excess interest.

Phoenix Bankruptcy Attorney can help you explore your options in Arizona. An experienced bankruptcy lawyer from our team will look at your financial situation and talk with you about your goals to make tailored recommendations for debt relief. You may be able to file Chapter 7 bankruptcy and discharge all your unsecured debts, such as credit card debts, or you may be able to file Chapter 13 bankruptcy to get a debt repayment plan. Call our firm today to talk with a Phoenix bankruptcy lawyer and learn more about how to proceed in Arizona.

Published By:
My AZ Lawyers

Mesa Location:
1731 West Baseline Rd., Suite #100
Mesa, AZ 85202
Office: (480) 448-9800

Glendale Location:
20325 N 51st Avenue Suite #134, Building 5
Glendale, AZ 85308
Office: (602) 509-0955

Tucson Location:
2 East Congress St., Suite #900-6A
Tucson, AZ 85701
Office: (520) 441-1450

Avondale Location:
12725 W. Indian School Rd., Ste E, #101
Avondale, AZ 85392
Office: (623) 499-4222

Financial Budget Tips for After Your Phoenix Bankruptcy

Filing for bankruptcy can be a real wake up call. After finally get the debt relief that you need, you don’t want to waste the opportunity and find yourself in the same financial distress that caused you to file in the first place.

Creating a budget is the best way to create a healthy financial plan for moving forward and ensuring a more secure future. Your bankruptcy lawyer is likely to provide some tips while you are combing through your finances together, but here are a few other things you can do to create a strong budget and rebuilt your credit:

Financial Budget Tips for After Your Bankruptcy

Make a List of All Your Income and Expenses

Before you can make any decisions about your budget, you have to have a clear understanding of all your income and expenses. You must be completely honest when compiling this list, which means accounting for all those $5 lattes you buy on your way to work and the little indulgences you pick up at the mall on the weekend. You need to see where all your money is going.

You may need to gather your credit card and bank statements to track these expenses, as you are likely to be unaware of how much you are spending on these items.

Make Adjustments to Get the Right Ratios

Financial counselors recommend that no more than 70 percent of your income go toward living expenses, such as your rent or mortgage, utilities and groceries. You should pay 20 percent of your income to your creditors, such as your car payment and your credit cards, and you should put 10 percent toward savings and investments.

Once you’ve made a list of all your income and expenses, you’ll be able to easily determine what ratios you are currently spending. You may then need to make adjustments to get into those healthy ratios. If you are spending too much on living expenses, for example, you may need to move into a smaller home or an apartment with cheaper rent.

Since you’ve already filed for bankruptcy, your debts should be limited, so you should not have to worry about that ratio being too high.

Increase Your Income and Reduce Your Expenses

Your bankruptcy may have wiped out enough of your debts that you have no problem paying for your expenses with your current income. However, you may find that you still don’t make enough to take care of all your expenses.

You have two options: Either find a way to increase your income or cut some expenses. Cutting expenses is usually the easiest option for most people. You can move into a smaller home, trade your car in for a used model or sell it and take public transportation, cut cable and get movies from the library instead, and eat at home more often instead of eating out. Making small changes can add up fast.

To increase your income, you might talk with your boss about a raise, or you might consider getting a second job. If you have a hobby, you might think about doing it for extra money.

Use Software to Track Expenses

Budget software can help you make sure you stay on track after you have put your spending guidelines in place. Most budget software will automatically categorize your expenses so that you can see what percentage of your budget is going to things like living expenses, entertainment, and so on. If you start to tip the balance of your budget, the software will show you quickly.

The software will also limit the temptation to overspend. Even if you don’t overdo it in any one area of your budget, just knowing that you are going to have to track any expenses you make will keep you from spending.

Build an Emergency Fund

You never know what can happen. You can lose your job, become ill or become injured, losing your ability to bring in income and causing you to rack up thousands in medical debt. An emergency fund can help you deal with such situations and make it through without financial ruin.

Save enough to get you through at least six months without any income. Also be sure that you have the appropriate insurance to cover any illness or injury you may experience.

These budget tips are sound even if you haven’t filed for bankruptcy. By following these tips, you may be able to create the financial health to avoid bankruptcy altogether. If you do need to file for bankruptcy, we can help. An Arizona bankruptcy lawyer from our team can help you understand your options for debt relief so that you can get a fresh start. You may be able to discharged debts, or you may be able to get on a structured repayment plan that lowers your overall expenses. Call us today to talk to a Phoenix bankruptcy lawyer and learn more about your options.

Published By:
My AZ Lawyers

Mesa Location:
1731 West Baseline Rd., Suite #100
Mesa, AZ 85202
Office: (480) 448-9800

Glendale Location:
20325 N 51st Avenue Suite #134, Building 5
Glendale, AZ 85308
Office: (602) 509-0955

Tucson Location:
2 East Congress St., Suite #900-6A
Tucson, AZ 85701
Office: (520) 441-1450

Avondale Location:
12725 W. Indian School Rd., Ste E, #101
Avondale, AZ 85392
Office: (623) 499-4222

How To Relieve Your Debts Without Declaring Phoenix Bankruptcy

How To Eliminate Your PHX Debt Without BankruptcyMany people in Phoenix Arizona and throughout the United States are facing tough economic times. Bankruptcy is an option to help alleviate your debt and financial problems, but you may be able to avoid filing if you consider some options. Bankruptcy is not for everyone, some people don’t qualify, some people don’t believe in it, and sometimes declaring bankruptcy is not the best option. Maybe one of the following alternatives will work for your particular PHX financial situation, or maybe you could consider several tools together to help you become closer to being debt free. Don’t you deserve a “fresh start”?

Debt relief means a change in elements of your life. You need to be ready and willing to eliminate your debt. Debt relief can be accomplished in several ways, several of the methods of debt relief can be done without filing Phoenix bankruptcy, but you may have to make lifestyle changes in order to get your finances back on track.

When starting down the debt relief path, take the time to calculate exactly how much money you need to avoid bankruptcy. Now, what are you able to contribute to that? You need to have realistic expectations and you need to know exactly where you stand – how much debt you have. Pull a free copy of your credit report and learn the details of how much you owe; review it carefully. You must know exactly what kind of debt you are up against when
considering bankruptcy and other forms of debt relief.

Taking immediate action when you realize that you are in financial trouble is important. Instead of consistently being behind on payments, you may have to take some drastic and inconvenient measures to fix the problem. Selling some of your assets is one way that you can get some extra money; valuable items such as: electronics, jewelry, and things that you have purchased that can generate extra cash that you can live off.

The best bit of advice when considering debt relief is to seek the assistance of a Phoenix Arizona professional: work with an experienced consumer credit counselor. Ask the counselor to help you work with your creditors in order to get your payments and interest rates reduced. Express your willingness to pay the debt, your desire to avoid bankruptcy, doing these things may make your creditors may work with you, as they would rather get some money than no money (which is what they would get if you filed chapter 7 bankruptcy). A credit counselor is also a good resource to help you if you need some assistance making a “get out of debt” plan. Financial planning is an essential key. A financial plan of attack may depend on how much you currently owe or how far behind you are on payments. Based on your situation, your plan of action to get rid of debt should include a spending schedule. Take a closer look at your budget and cut any expenses that you may like to have, but can live without until you pay your way out of debt.

Now that you have limited your spending and worked on the budget you next need to prioritize your debt. You might have to consider increasing your income, the simplest solution is to make more money. Is working overtime or getting part-time work a feasible option? Paying your way out of debt is work. You need extra money to whittle down the debt; you might have your own ideas for earning that extra money.

Before filing for bankruptcy, explore your alternatives to eliminate your financial deficits. Even the best efforts and best intentions, however, are not enough, and many people who have exhausted every means of paying back debt still can’t manage to make the payments, and have to consider the option of bankruptcy. An experienced Phoenix bankruptcy attorney can help you decide if filing is the right option for your situation.

668 N. 44th St., Ste 300
Phoenix, AZ 85008
Office: (602)509-0955

1731 W. Baseline Road, Suite 100
Mesa, AZ 85202
Office: (480) 263-1699

20325 N. 51st Ave., Suite #134
Glendale, AZ 85308
Office: (623) 640-4945

2 East Congress St., Suite 900
Tucson, AZ 85701
Office: (520) 306-8729

Call (602)509-0955 for a FREE Bankruptcy Consultation NOW!!!

Serving Chapter 7, Chapter 11, and Chapter 13 clients in Phoenix and surrounding communities!

MY AZ LAWYERS, PLLC
PHOENIX BANKRUPTCY LAWYERS
LOCATIONS: Offices throughout the valley.
CONTACT US NOW:

Call (602) 509-0955 to set an appointment with one of our Phoenix Area Bankruptcy Lawyers.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.

DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO contact our Arizona 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 PHOENIX DEBT RELIEF WEB SITE.

Alternatives to Declaring Bankruptcy

Many Forms of Debt Relief are Available

Phoenix Debt Relief Options With The Bornmann Law GroupBankruptcy is an option to help alleviate your debt and financial problems, but you may be able to avoid filing if you consider some other debt relief options. Maybe one of the following alternatives will work for your particular financial situation, or maybe you could consider several tools together to help you become closer to being debt free without having to declare bankruptcy.

When considering all the available forms of debt relief, you need to first be ready and willing to do what is necessary to eliminate your debt. Becoming debt free can be achieved without filing bankruptcy, but you may have to make sacrifices and lifestyle changes in order to get your finances back on track. Once you are committed to getting a “Fresh Start” it is then time to take action.

You will need to take the time to calculate exactly how much money you need to avoid bankruptcy. Now, what are you able to contribute to that? You need to have realistic expectations and you need to know exactly where you stand – how much debt you have. A good idea would be to pull a free copy of your credit report and learn the details of how much you owe; review it carefully. You must know exactly what kind of debt you are up against when making the decision as to what form of debt relief may be the best for your situation.

Taking immediate action when you realize that you are in financial trouble is important. Instead of consistently being behind on payments and letting bills, interest, and penalties mount, you may have to take some drastic and inconvenient measures to fix the problem. Selling some of your assets is one way that you can get some extra money — electronics, jewelry, vehicles, etc… things that you have purchased that can generate extra cash that you can live without (temporarily, at least).

Seek the assistance of a professional: work with an experienced consumer credit counselor. Ask the counselor to help you work with your creditors in order to get your payments and interest rates reduced. Express your willingness to pay the debt, your want to avoid bankruptcy, and your creditors may work with you, as they would rather get some money than no money. A credit counselor is also a good resource to help you if you need some assistance making a “get out of debt” plan. You do need a plan, and this may depend on how much you currently owe or how far behind you are on payments. Based on your situation, your plan of action to rid debt should include a spending schedule. Take a closer look at your budget and cut any expenses that you may like to have, but can live without until you pay your way out of debt.

Now that you have limited your spending and worked on the budget (or If you cannot budge on the budget) prioritize your debt. You might have to consider increasing your income. Is working overtime or getting part-time work a feasible option? Paying your way out of debt is work, after all. You need extra money to whittle down the debt —you might have your own ideas for earning that extra money.

Before filing for bankruptcy, explore your alternatives to eliminate your financial deficits. Even the best efforts and best intentions, however, are not enough, and many people who have exhausted every means of paying back debt still can’t manage to make the payments, and have to consider the option of bankruptcy. An experienced bankruptcy attorney can help you decide if filing is the right option for your situation.

668 N. 44th St., Ste 300
Phoenix, AZ 85008
Office: (602) 509-0955

1731 W. Baseline Road, Suite 100
Mesa, AZ 85202
Office: (480) 263-1699

20325 N. 51st Ave., Suite #134
Glendale, AZ 85308
Office: (623) 640-4945

2 East Congress St., Suite 900
Tucson, AZ 85701
Office: (520) 306-8729

Call (602)509-0955 for a FREE Bankruptcy Consultation NOW!!!

Serving Chapter 7, Chapter 11, and Chapter 13 clients in Phoenix and surrounding communities!

MY AZ LAWYERS, PLLC
PHOENIX BANKRUPTCY LAWYERS
LOCATIONS: Offices throughout the valley.
CONTACT US NOW:

Call (602) 509-0955 to set an appointment with one of our Phoenix Area Bankruptcy Lawyers.

OUR PHOENIX BANKRUPTCY LAWYERS ARE LOCATED IN PHOENIX, ARIZONA, AND SERVE BANKRUPTCY CLIENTS IN SCOTTSDALE, PHOENIX, GLENDALE, TEMPE, MESA, CHANDLER, PLEASANT VALLEY, AVONDALE, CASHION, EL MIRAGE, PEORIA, SUN CITY, SUN CITY WEST, TOLLESON, YOUNGTOWN, GILBERT, QUEEN CREEK, CASA GRANDE, SURPRISE, PRESCOTT, MARANA, TUCSON, FLAGSTAFF AS WELL AS PIMA, PINAL, AND MARICOPA COUNTY.

DISCLAIMER: THE INFORMATION YOU OBTAIN AT THIS ARIZONA BANKRUPTCY LAW WEB SITE IS NOT, NOR IS IT INTENDED TO BE, LEGAL ADVICE. YOU SHOULD CONSULT A PHOENIX LAWYER FOR ADVICE REGARDING YOUR INDIVIDUAL SITUATION. OUR ARIZONA BANKRUPTCY LAWYERS AND STAFF INVITE YOU TO contact our Arizona 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 PHOENIX DEBT RELIEF WEB SITE.