Chapter 13 Bankruptcy

Arizona Chapter 13 Debt Reorganization Attorney

Chapter 13 bankruptcy is for individuals and business owners who intend to repay their debt, but need immediate relief from collections and additional late payment penalties and interest. Chapter 13 bankruptcy can help you substantially reduce your monthly payments for secured and unsecured debt. Unlike Chapter 7 bankruptcy, Chapter 13 means that you intend to repay the debt you owe, by structuring a legal debt workout that will be reviewed, approved, and overseen by a bankruptcy court.

Free initial consultation about your Chapter 13 bankruptcy needs

We accept all major credit cards and payment plans are available

Conveniently located just south of the Biltmore, just minutes from Hwy 51

Clark Law Offices is ready to help you with all of your bankruptcy and debt relief needs. Contact our offices in Phoenix and Tucson, Arizona, to schedule a free consultation with an experienced bankruptcy lawyer. We will give you honest answers to your bankruptcy questions.

Not everyone needs face the expense of filing a Chapter 13 bankruptcy. It's one thing that makes Clark Law Offices different. If you don't need the additional legal fees, we will tell you how you can resolve the issues yourself, or can help you with a satisfactory debt settlement plan. If Chapter 13 debt reorganization is right for you, we will start immediately to end harassing collection calls and help you save money and stress by working out a supervised Chapter 13 reorganization plan that is right for you.

How does the process works at Clark Law Offices?

• If you decide to retain us following an initial free consultation, that same day you should start telling creditors and collection agencies that you are represented by an attorney. By law, they must immediately stop harassing collection calls and letters to your home.
• Your petition will be mailed to you approximately two weeks after the fees are paid.
• Set up a signing appointment with your attorney, or mail the paperwork and review the petition via telephone consultation.
• Complete the required Credit Counseling Course.
• Your case is filed with the court.
• Complete your Debtor Education Course.
• The trustee must receive your first trustee payment within thirty 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 six weeks after filing. You must bring photo identification and your Social Security card.
• Your creditors have sixty days from the date of the Meeting of Creditors to file any objections to discharge.
• After the sixty days for objections has elapsed, the Trustee will submit a recommendation or objection to the case. You and your attorney will then 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 us to schedule a free consultation about your Chapter 13 bankruptcy and debt reorganization needs today.