Bankruptcy Help in Tempe, Arizona
At Price Law Group, the legal team has helped over 100,000 individuals get the debt relief they need. The Tempe bankruptcy attorney from the firm can quickly evaluate your personal financial situation to determine how to best get it under control, either through filing for bankruptcy or an alternative that better serves your interests.
Areas of Practice
Bankruptcy FAQ
There is a great deal of misinformation about bankruptcy. It is important that you have correct answers before you make a decision about filing. The firm has provided answers to common questions so that you can understand the basics of the process before you proceed.
Chapter 7 Bankruptcy
The federal bankruptcy laws allow for individuals and couples who are under extreme financial stress to have their debt discharged through chapter 7 bankruptcy. This process allows you to get a fresh financial start. After the process is completed, you will no longer owe your unsecured consumer debt.
Chapter 13
There are some people who will not qualify for chapter 7, or don't wish to file that form of bankruptcy. There are great opportunities for relief under chapter 13. Those who have too many assets to qualify or do not want to risk losing certain assets can take advantage of filing for chapter 13 and get the relief they need.
Credit Repair
Once your credit is damaged, it can seem impossible to get it back into a condition where you can get a reasonable interest rate or purchase important items, including a home. Whether after filing for bankruptcy or not, ensuring that action is taken to repair your credit can be extremely important.
Foreclosure Prevention
What are your options if you are facing a threat of foreclosure? There are a variety of legal actions that could be taken, based upon your unique situation. It is advised that you contact Price Law Group without delay if you are facing foreclosure, as allowing it to go through and walking away can be the wrong decision.
Loan Modification
Do you need to get a loan modification? Many people in the Tempe area that bought homes during the subprime mortgage boom are facing serious difficulties with a property that is finances far, far beyond its current market value. Dealing with banks can be almost impossible.
Short Sale Negotiation
A short sale negotiation may be necessary, either for a realtor involved in a property or for an individual who hopes to get free from a property that is finances beyond its market value. How this process is negotiated will have a great deal to do with the final price. There are risks involved including avoiding paying the "shortfall" and the firm can help.
Debt Settlement
There are opportunities to settle a debt and in such a case, you want to have legal representation negotiating on your behalf. As a collection agency buys debt, usually for pennies on the dollar, what is finally negotiated can vary widely. If you need to ensure that your settlement is as low as possible, you want to get legal help that has the skills to negotiate for you and get a deal that is protects you, your finances and your interests.
Discharging Debt
Before pursuing bankruptcy, it is important that you understand what debts qualify for dismissal under Chapter 7 and Chapter 13 bankruptcy. Certain items such as student loans, alimony and debts from past criminal charges cannot be discharged according to Federal laws.
Creditor Misconduct
Federal law protects consumers from certain actions. The Fair Debt Collection Practices Act is a federal law that restricts the actions that can be taken in collecting a debt. If you feel you have been the victim of creditor misconduct, the firm should get involved at once.
Insurance Settlement
You faithfully pay your premiums, year after year, and when you finally must file a claim, it can be a shock to discover that your insurance company delays, denies a valid claim, or offers you a settlement that is inadequate to pay for the costs of damage to your property.
Tax Resolution If you are in trouble with the IRS or the Arizona Department of Revenue, it is imperative that you get this issue under control without delay. As the taxing authorities have broad powers, including the ability to put liens on your property, levy bank accounts and garnish your wages, you need to make arrangements that will help you avoid these repercussions.
Do I Qualify For Bankruptcy?
Are you wondering whether you will qualify for bankruptcy? Most people who are struggling with an unmanageable debt load will qualify to file chapter 7. If you have too many assets to qualify, chapter 13 is a good alternative. Many people can gain the relief they need through an alternative to filing bankruptcy. It is important that you get accurate information.
How Much Does Bankruptcy Cost?
Before you take action to file for bankruptcy, you likely need to know how much it will cost you. Each individual case is unique, and to find out about the costs and how to make payment arrangements, you can get information from a Tempe bankruptcy lawyer from Price Law Group.
How Can I Save My Home?
If you are concerned that you will lose your home through foreclosure, you are in serious trouble. The process of foreclosure can move forward very quickly, and your home put up for auction. How the process can be delayed or halted altogether can be of ultimate concern. .
What Is FDCPA?
You need to know your rights as a consumer under the FDCPA, or the Fair Debt Collection Practices Act. This Act protects consumers from abuse and harassment. If you believe that you are being victimized by a collection agency, it is vital that you document the situation, as they could be held legally accountable and forced to pay you damages.
Fair Debt Collection Practices Act
Consumers are protected from creditor abuse and harassment by the Fair Debt Collection Practices Act. This act outlines what activities creditors cannot engage in, such as threats, abusive language, calling over and over in a short period of time and many other activities.
Bankruptcy Myths
There are many myths floating around about bankruptcy, including subjects related to whether you are eligible, what will happen to your tax debt, about foreclosure issues and others. Never get your information from anyone except a trusted bankruptcy attorney.
Estate Planning
Planning for the future is important responsibility, but it must be done carefully if you are hoping that your loved ones will not run into tax difficulties, will contests and other problems should an unexpected death occur.
Benefits of Bankruptcy
There are many benefits of bankruptcy, the main one being the discharge of your unsecured consumer debt. The benefits can be increased with the help of an attorney that will look into your personal financial situation and take action to get as many debts discharged as possible.
Life After Bankruptcy
What will life be like after you file for bankruptcy? Many people have concerns about their credit, will they ever be able to buy a home or car in the future and other issues. You deserve to have accurate information about these and other concerns.
Helping You Understand the Bankruptcy Code
The United States bankruptcy code has three major chapters: 7, 11 and 13, chapter 11 being for businesses. We want to walk you through your options and clearly explain to you what you're facing. Those who are afraid of bankruptcy likely are so because they do not fully understand their rights and options. If your current monthly income is less than the state of Arizona's average monthly income, then you will likely qualify for Chapter 7 bankruptcy. Getting approved can be difficult because the federal government is constantly on the lookout for abuse. We can help you through the process of filing a means test in order to ensure that you don't get cut short of any of your rights. Once your debts are discharged, they are gone for good. Don't you want that kind of freedom?