It's Not So Bad

Phoenix, Arizona Bankruptcy Attorney 

Your Family

Have you taken time away from your family because you are worried about your financial situation? Are you spending sleepless nights or long hours at work that should be spent with your family and friends? Your family relies on your to provide the necessities of life like food and shelter as well as give them the American dream of being better off then their parents. If you are laboring with financial issues, you are likely having to explain why your family cannot buy all of the things that television tells them to or why you are upset with creditors calling their home. You owe it to your family not to spend college money or rent money trying to satisfy demanding creditors who have already taken more from you than your money. You have more options to deal with these creditors than you think. Read about what they can and cannot do to you in my debtor/creditor pages. Take the initiative to stop this cycle now. Contact a qualified bankruptcy attorney to guide you back to financial health. Do it for you. Do it for your family.

Your Spouse

Has your relationship with your spouse been hurt by arguments about money? Don't let something as material as money destroy the feelings you had when you were married, especially when there is such a complete solution provided by the federal government to address the stress through bankruptcy. A fresh financial start will allow you to focus on what is really meaningful in to you in life. Your family and your spouse deserve your time and talent, not your creditors. Regain your life. Regain your marriage. It takes courage to make such a commitment. Make sure you have the right counsel to see you through.

Your Parents and Friends

Have you been forced to borrow money from your 401(k) or from your parents leaving you with the fear that you or your parents may not have enough money for retirement or emergencies? Your parents, family and friends have always wanted the best for you. It was likely difficult for them to see you go through financial hardship. Your financial hardship may have done more than create stress for you and your family, it may have created health issues as well. You are not alone in your financial situation and you are not the first to have to face these tough decisions.

Your Home

Has your mortgage payment reset and your home decreased in value leaving you with no way to avoid an unbearable mortgage payment to keep your family in their home? See your options in my Avoiding Foreclosure section.

Your Job

Do your creditors call you at work? Is this creditor harassment or a garnishment challenging your reputation at work or your job itself? Your financial stress has likely spilled over into your work performance. Your job is important. It is impossible to pay your creditors without the earnings from your work, but lately it seems like it is impossible to pay your creditors even with the earnings from your work. You may not be making enough at your job to pay the minimum payments. You have options to stop the creditors. See Automatic Stay and Debtor/Creditor Solutions.

Your Solution

Any of these scenarios may have you on the brink. You will be relieved to know that your best options come right from your elected federal government through the United States Bankruptcy Court! You only have a limited time to enjoy this life. Mortality does not allow the luxury of spending years working a second job or longer hours to satisfy creditors that have done nothing but complicate the issue. Fortunately, there is a program that allows instant relief from overbearing creditors. Bankruptcy is a way for you to regain your liberty, your dignity, and your life.

The Federal Bankruptcy Court offers an alternative for families like yours to eliminate certain debts entirely without repayment or any portion through Chapter 7 bankruptcy. Debts such as credit cards and medical bills can be completely wiped clean without repayment. Chapter 13 bankruptcy allows repayment of a potion of the debt, or of overdue payments on your home or your car, at a rate you can afford making your financial situation less and life more manageable, tolerable, and less chaotic.

Protect the things that matter most to you, your life, and your family. Take control of your life. Contact us now. We can provide a path through bankruptcy back to financial health.