Chapter Bankruptcy Lawyers

Types of problems they help with

According to the firm's website, their attorneys help Arizona clients:

• Explore debt relief options, including Chapter 7 and Chapter 13 bankruptcy.
• Avoid wage garnishment and stop payroll attachments.
• Stop repossession of vehicles or other property.
• Halt foreclosure actions and work to help clients save their homes.
• Stop collection actions and lawsuits.
• Restore utilities that have been shut off for nonpayment.
• Respond to emergency situations where an immediate bankruptcy filing may be needed.

Approach and values

• The firm emphasizes providing efficient and cost‑effective debt relief solutions.
• They highlight personal service, communication, and client-focused guidance throughout the bankruptcy process.
• The attorneys use their experience with Arizona bankruptcy law to help clients protect property using available exemptions and to stop wage garnishments and creditor harassment.
• The website stresses that the goal is to help clients achieve a fresh financial start and a future free of unmanageable debt.

Service area

• Offices and information on the website indicate that the firm serves clients in Tempe, Mesa, Chandler, Gilbert, the greater Phoenix metro area, and communities across Arizona, including Tucson and Glendale.

How Chapter 13 bankruptcy is described

The firm describes Chapter 13 bankruptcy as a form of debt reorganization that can be especially useful for people who want to save a home or other important property while dealing with debt.

Key points from the website:

• Chapter 13 involves creating a court‑approved repayment plan that usually lasts 3 to 5 years.
• Debts are reorganized into manageable monthly payments based on the filer's income and expenses.
• At the end of a successful plan, remaining eligible unsecured debts may be discharged.

When people consider Chapter 13

Situations where Chapter 13 may be considered include:

• Falling behind on mortgage payments and needing to stop or avoid foreclosure.
• Wanting to catch up on secured debts (such as a home or vehicle) over time.
• Having income that is too high to qualify for Chapter 7 but still needing meaningful debt relief.

The website notes that not everyone qualifies for Chapter 13, but many people do.

How the firm assists with Chapter 13

According to the website, Chapter Bankruptcy Lawyers:

• Offers free consultations to review whether Chapter 13 is appropriate.
• Helps Arizona clients understand how a Chapter 13 plan could affect secured and unsecured debts.
• Files Chapter 13 cases for qualified clients and helps propose repayment plans consistent with bankruptcy rules.
• Uses Chapter 13 as one of several tools to help stop foreclosure, repossession, and collection actions where possible.

As with any bankruptcy case, the specific results in Chapter 13 depend on each client's circumstances, income, debts, and goals. The website directs potential clients to speak with an Arizona bankruptcy attorney at the firm to evaluate their options.

How Chapter 7 bankruptcy is described

The firm's website describes Chapter 7 bankruptcy as a type of bankruptcy that can wipe the slate clean of many kinds of unsecured debt, typically including:

• Credit card balances
• Medical bills
• Certain personal loans and lines of credit
• Amounts owed on leases
• Deficiency balances after vehicle repossessions and similar debts

Qualifying for Chapter 7

• Not everyone qualifies for Chapter 7.
• Arizona filers must generally pass the Arizona Bankruptcy Means Test, which compares income and certain expenses to determine eligibility.
• The firm's attorneys review each client's financial situation to determine whether Chapter 7 relief is available and appropriate.

How the firm assists with Chapter 7

According to the website, Chapter Bankruptcy Lawyers:

• Provides free consultations and debt evaluations to review whether Chapter 7 is a good option.
• Explains what debts may be discharged and how Chapter 7 could affect a client's situation.
• Files Chapter 7 bankruptcy cases for qualifying clients in Tempe, Mesa, Phoenix, and other Arizona locations.
• Uses knowledge of Arizona exemptions to help protect property where possible.

Results clients may seek in Chapter 7

Clients commonly look to Chapter 7 to:

• Eliminate unsecured debts that have become unmanageable.
• Stop collection calls, lawsuits, and wage garnishments through the automatic stay that goes into effect when a case is filed.
• Obtain a fresh financial start after discharge, subject to the limits and exclusions in bankruptcy law.

Specific outcomes depend on the facts of each case and the types of debts involved. The website encourages anyone considering Chapter 7 to speak directly with an Arizona bankruptcy attorney at the firm for advice tailored to their situation.

• Phone (main line): 480-405-1010
• Service area: Tempe, Chandler, Gilbert, the Phoenix metro area, and clients throughout Arizona, including Tucson and Glendale.

Chapter Bankruptcy Lawyers is a debt relief agency. They help people in Arizona file for bankruptcy relief under the Bankruptcy Code.

Tempe office

• Office name: Chapter Bankruptcy Lawyers – Tempe Office
• Address: 4500 S Lakeshore Drive, Suite 300, Tempe, AZ 85282
• Phone: 480-405-1010
• Location note: The Tempe office is located in the Southwest Business Center.

Mesa office (primary mailing address on several pages)

• Address: 3707 East Southern Avenue, Suite #1108, Mesa, AZ 85206
• Phone: 480-485-1010
• Additional contact number listed: 480-562-6145

Additional Arizona offices

The firm lists multiple office locations across Arizona:

• Phoenix: 2999 N. 44th St., Suite 600, Phoenix, AZ 85018
• Avondale: 12725 W Indian School Rd, Suite E-101, Avondale, AZ 85392
• Glendale: 20325 N. 51st Ave., Suite 134, Glendale, AZ 85308
• Tucson: 2 East Congress Street, Suite #900, Tucson, AZ 85701

Free consultation and how to get in touch

• The firm offers free consultations and free debt evaluations with an experienced Arizona bankruptcy attorney.
• Consultations can be held in-office or by phone, depending on your needs.
• During the consultation, an attorney reviews your financial situation, explains your options, and helps you understand whether bankruptcy may be appropriate.

To request a consultation or ask questions about debt relief or bankruptcy, potential clients are invited to call the main line at 480-405-1010.

Lists Chapel Hill, Glendale, Mesa, Phoenix, Tempe, Tucson, and Avondale as a location. Names Arizona, Indiana, Chandler, Gilbert, Mesa, Phoenix, Tempe, and Tucson as a service area. Areas beyond these are not published.

Chapter 7 bankruptcy fees (as stated on the website)

The website states that Chapter Bankruptcy Law:

• Can file a Chapter 7 case for $0 in legal fees before filing for qualifying clients.

The site explains that, after evaluating your debt and confirming that you qualify:

• You may pay $0 down for legal fees at filing, and
• A payment arrangement with low monthly payments for post‑filing costs may be available.

Chapter 13 bankruptcy fees (as stated on the website)

For Chapter 13 cases, the website states that Chapter Bankruptcy Law:

• Can file a Chapter 13 case with legal fees as low as $190 before filing.

The firm emphasizes that many clients use Chapter 13 to save their homes and reorganize debt through an affordable payment plan.

Important notes about pricing

• All fee amounts and programs are as described on the firm's website and may depend on individual qualification and case details.
• Court costs, trustee fees, and other required costs are not detailed on the website excerpts summarized here.
• For current pricing, eligibility for $0 down or low‑down programs, and a full explanation of all costs, potential clients are directed to contact the firm directly and speak with an Arizona bankruptcy attorney.

Medical debt and your doctor–patient relationship

• Medical bills are usually unsecured debts, which can often be discharged in Chapter 7 bankruptcy or included in a Chapter 13 repayment plan.
• Filing for bankruptcy does not automatically require you to change doctors.
• Some healthcare providers may choose to require upfront payment for future, non‑emergency care after a bankruptcy, or may decide not to continue non‑urgent care if prior balances are discharged.
• Federal law still requires emergency departments to provide emergency treatment and stabilization, regardless of ability to pay.
• The FAQ encourages clients to talk with their healthcare providers about payment policies and to consult an experienced bankruptcy attorney about medical debt.

Health insurance

• The FAQ explains that filing for bankruptcy does not directly cancel health insurance coverage.
• Health insurance policies are typically treated as exempt assets, and coverage usually continues as long as premium payments remain current.
• Bankruptcy does not affect eligibility for government‑subsidized programs such as Medicare or Medicaid, according to the FAQ.

Debts that are typically not discharged

The FAQ notes that some debts are generally not eliminated in bankruptcy, including:

• Most student loans (unless very strict hardship standards are met).
• Child support and alimony (spousal maintenance).
• Most recent tax debts and certain other tax obligations.
• Criminal fines, restitution, and many government‑imposed penalties.
• Many obligations that arise from divorce settlements or property division orders.

Clients are encouraged to speak with an attorney to understand which specific debts can and cannot be discharged in their own case.

Foreclosure, repossession, and the automatic stay

• Filing for bankruptcy generally triggers an automatic stay, which temporarily stops most collection activities, including lawsuits, wage garnishments, foreclosures, and repossessions.
• The FAQ explains that this relief is not always permanent for secured debts. If payments on a mortgage or car loan are not maintained or brought current, the creditor may ultimately be able to foreclose or repossess the collateral, even if the personal obligation is discharged.
• Chapter 13 may allow some clients to catch up on missed payments over time and keep important property, as long as they follow a confirmed repayment plan.

Lawsuits and creditor actions

• According to the FAQ, if a creditor has sued you, you can still file for bankruptcy in many situations.
• When a bankruptcy case is filed, the automatic stay generally stops most lawsuits and other collection actions.
• How a pending lawsuit is treated depends on the type of debt and the stage of the case, so the FAQ advises consulting with an Arizona bankruptcy attorney right away if you are served with a lawsuit.

Ask anyway — the agent will say plainly that it is not published rather than guess.