Chapter 7 Bankruptcy

Start Over with Chapter 7 Bankruptcy in Arizona

Chapter 7 bankruptcy is designed to help individuals by eliminating all unsecured debt. Under Chapter 7 bankruptcy laws, the filer may "reaffirm" certain secured debt, such as a mortgage and automobile loan. This means that you can eliminate all revolving credit card debt and keep your home and car by agreeing to continue to repay the loan. There are many myths about Chapter 7 bankruptcy that the credit industry wants people to believe. While it is true that the new bankruptcy laws of 2005 affected some people, the large majority of families that qualified for Chapter 7 prior to the new laws, can still qualify.

Free initial consultation about your Chapter 7 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 provides experienced representation for individuals and families that need the fresh start that Chapter 7 offers. We know that most people who file for bankruptcy have struggled with unreasonably high interest rates and unfair late fees and penalties for many months, and even years before coming in to see us. In fact, most people are really only a few months behind in payments, but just can't keep up the juggling act anymore, or ran into an unexpected financial problem. This is often the case with senior citizens. We don't judge you. We help you.

Debt liquidation ▪ Credit counseling ▪ Prevent foreclosure ▪ Stop garnishment

Contact our offices in Tucson and Phoenix, Arizona, to start the process of getting a fresh start. We help you resolve your past problems, while preparing you for a successful future.

Get a new start and stop creditor harassment immediately!

Hire us today and you can immediately start telling creditors and collection agencies that you are represented by a lawyer. By law, collection efforts must then come directly to our offices immediately.

Clark Law Offices handles everything to help you start getting a fresh start today.

• 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 discharge will be mailed out by the clerk’s office approximately 90 days after the Meeting of Creditors

Contact us to learn more about the fresh start your family needs.