Bankruptcy Overview

The Arizona bankruptcy lawyers of Clark Law Offices have filed or assisted in the management of over a thousand bankruptcy cases. This level of experience is crucial for anyone filing bankruptcy in Arizona due to the United States Trustee's recent policy of aggressive enforcement and since the bankruptcy laws are poised to change in the near future.

Mari Jo Clark, the managing attorney of the Arizona bankruptcy practice, has the experience and knowledge of cutting edge bankruptcy practice and procedure. Clark Law Offices will help you to eliminate your debt while aggressively protecting your assets.

Contact our office now for a Free Consultation or complete our Free On-line Arizona Bankruptcy Evaluation.

Common indicators that you may need to file bankruptcy

• You are “Robbing Peter to Pay Paul” – in other words you find yourself borrowing from credit cards to pay bills or other credit cards.
• The creditor has unexpectedly raised the interest rates on your credit cards.
• You are behind on your mortgage payments and need help getting caught up.
• You are behind on your car payments and need help getting caught up.
• You want to pay your creditors, but they are asking for more than you can afford to pay.
• You are only able to make the minimum payment on your credit cards.
• You owe back taxes.
• Money problems have caused lack of sleep or health problems.

The process of filing a Chapter 7 bankruptcy with Clark Law Offices

• Complete the Free Internet Evaluation or call our office directly at 602-956-DEBT (623-239-4481).
• Meet with an Arizona bankruptcy attorney in a FREE CONSULTATION.
• Your paperwork (“petition”) is completed and mailed to you.
• You review your paperwork and then call to set up a signing appointment with your attorney. (Or you can mail the paperwork in and review the petition via telephone consultation).
• Your case is filed with the Court.
• You will receive a letter from us informing you of the date, time and location of your Meeting of Creditors.
• You will receive a request for documents from the Trustee. You must comply with this request fully and promptly.
• Your Meeting of Creditors will be held approximately 6 weeks after filing. You must bring photo Identification and your Social Security Card.
• Your discharge will be mailed out by the Clerk’s office approximately 90 days after the Meeting of Creditors.

The process of filing and managing a Chapter 13 bankruptcy with Clark Law Offices

• Complete the Free Internet Evaluation or call our office directly at 602-956-DEBT (623-239-4481).
• Meet with an Arizona bankruptcy attorney in a FREE CONSULTATION.
• Your paperwork (“petition”) is completed and mailed to you.
• You review your paperwork and then call to set up a signing appointment with your attorney. (Or you can mail the paperwork in and review the petition via telephone consultation).
• Your case is filed with the Court.
• The Trustee must receive your first Trustee Payment within 30 days of filing, in the form of cashier’s check or money order.
• You will receive a letter from us informing you of the date, time and location of your Meeting of Creditors.
• You will receive a request for documents from the Trustee. You must comply with this request fully and promptly.
• Your Meeting of Creditors will be held approximately 6 weeks after filing. You must bring Photo Identification and your Social Security Card.
• Your Creditors have 60 days from the date of the Meeting of Creditors to file any objections to discharge.
• After the 60 days for objections has elapsed, the Trustee will submit a recommendation or objection to the case. You and your attorney will then have 30 days to make any necessary adjustments and submit a proposed stipulated order for confirmation. If this order is approved by the Trustee and the Judge, then your case is "confirmed."

Contact our office to schedule a free consultation with an Arizona bankruptcy attorney.