How Filing Bankruptcy Will Stop the Creditor Calls

Creditors are not allowed to call you after you have filed for bankruptcy protection.

The daily multiple phone calls that you receive due to being behind on your mortgage, credit card payments, bills, and/or other debts is a constant reminder of your unmanageable debt and your poor financial situation. With every incoming phone call, feelings of anxiety and stress become as overwhelming as the debt itself. Even if you never directly speak to a collection agency, creditor or debt collector, the unanswered calls and demanding messages do not stop reminding you that there is no hope of providing relief from your debt. Blocking numbers on your phone and screening calls is not going to help your debt go away, it may only briefly stop the collection attempts. What can you do to make the phone calls from creditors stop?

Seek the guidance of an experienced bankruptcy attorney.

Talking to the right Phoenix bankruptcy attorney is important as you will soon realize that there is hope for real debt relief. Filing chapter 7 or chapter 13 bankruptcy can resolve any financial issues, give you a means to an end, stop creditor harassment, and provide you with the information you need to move forward to a better financial future. Contacting a trusted bankruptcy lawyer and retaining services is the right path to getting you a Fresh Start. Creditors must stop calling you once they have received notice of your bankruptcy.

Filing bankruptcy will stop creditor calls and creditor harassment.

It can take some time for the bankruptcy court to process your final paperwork and then send that to the creditors. They may keep calling you up until getting that written notice, so you will want to have your attorney make phone calls to notify the creditors and provide them with the case number. Verbal communication by a lawyer is as binding as a written formal notice. When a bankruptcy petition is filed, an automatic stay will go into effect. Creditors may not contact you during this process. Also, once your debt is discharged, creditors do not have a claim to your old debt and must permanently desist any attempts at collection. Typically, creditors do abide by these rules, because they are required to.

The creditors must abide by a bankruptcy court’s decision regarding all discharges in a case, they can not attempt to collect on a debt after you have filed bankruptcy. Some creditors do not abide by the notice given of bankruptcy and continue to call, even possibly threaten, harass, and intimidate you. They will tell you lots of things to get their money. If a situation like this arises, it is important to inform your bankruptcy attorney to handle the creditors’ harassment. Most debt collectors will not continue to contact you once they know and have confirmed that you are filing bankruptcy.

You may discuss with an experienced PHX bankruptcy attorney the steps you can take in order to ensure the calls from your creditors stop once and for all. You then need to come up with a plan of action to deal with your debts. In order to properly deal with your debt and the creditors, it is important that you visit with your attorney about the law. You have rights, and you should know not only what they are, but how to protect these rights, as not to be taken advantage of by creditors or the system. Before you take any action, discuss your case with an attorney knowledgeable about bankruptcy law. Many Arizona bankruptcy lawyers offer free consultations and low legal fees. Take advantage of these offers and find out if filing for bankruptcy protection is the best solution for you and your family.

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.

by Joshua

How To Relieve Your Debts Without Declaring Phoenix Bankruptcy

Many 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.

by Joshua

Alternatives to Declaring Bankruptcy

Many Forms of Debt Relief are Available

Bankruptcy 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.

by Joshua

Why Are Bankruptcy Filing Numbers Declining?

A recent analysis shows that the number of bankruptcy filings in Phoenix Arizona and throughout the United States are declining. This must mean that the financial crisis and recession is over, right? — WRONG! If the current trend continues and filings continue at the same rate /pace as the past year, total bankruptcy numbers should continue to decline (for a second straight year in a row).

Perhaps the falling number of filings could be the result of sustained low interest rates, decreased spending, and/or tighter lending standards. These, plus a slightly improving economy has assisted consumers in helping to balance their finances. These are the most common thought of theories to lower bankruptcy numbers, however, there could be additional reasons that the number of people filing for bankruptcy in Phoenix Arizona has declined.

One of the rules of filing chapter 7 bankruptcy is that a person can only declare chapter 7 bankruptcy once every eight years. Thus, if 10 million people have filed already within the past 8 years, that in itself limits the amount of people who are even eligible to consider filing for bankruptcy protection again until waiting the 8 year period, despite their current financial situation. There are probably several people in need of a bankruptcy who just aren’t eligible to file until they wait the mandatory 8 years.

When the number of bankruptcy filings increased in the past 5 years, creditors could see the trend and started working with people more frequently in order to arrange payment plans or to negotiate reduced payments or interest rates in an attempt to avoid having the money they lent discharged in a chapter 7 bankruptcy.

Creditors were pushed to do this as it was better for them to collect some part of the debt than to lose out on it entirely. The willingness of these creditors to work with people has also helped to slow the filing bankruptcy frenzy. People wanting to try to make payments and work themselves out of debt, were more able to do so with creditors willing to work with their debtors, the urgency of filing bankruptcy decreased.

Another theory for the decline in bankruptcies is that people are managing their money more carefully, there is just a plain decrease in spending overall, the decrease in spending has led to less credit card debt, the trend of people to be more careful with their spending habits has aided in the decreased number of filings.

Bankruptcy is still the best solution to many financial situations for individuals, couples, and businesses in Arizona and throughout the United States. A bankruptcy provides an individual with a means to rebuild and recover, however, an increasing number of people have chosen credit counseling, debt reorganization, loan modifications, short sale of homes, and debt consolidation and negotiation instead of filing for bankruptcy protection.

If you are facing a financial hardship or just can’t stay ahead of the bill collector, an experienced and trusted Phoenix bankruptcy attorney can look at your financial situation and help you determine if filing for chapter 7, chapter 11, or chapter 13 bankruptcy or other alternatives to bankruptcy may be in the best interest for you.

You should work with a fair lawyer who will explore and explain all your options available to you in order to get your finances back on track. Don’t you deserve a fresh start?

668 N. 44th St., Ste 320
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.