Arizona Bankruptcy Lawyers
Phoenix Bankruptcy Attorneys
Do You Need to File for Bankruptcy?
Perez Law Group, PLLC offers full service representation in Chapter 7 and Chapter 13 bankruptcy. If you choose Perez Law Group as your bankruptcy lawyer, you will have an attorney by your side every step of the way.
Cristina Perez and Meredith Flori meet personally with each potential client to assess their financial situation and determine what form of debt resolution is the best. Once the bankruptcy petition is typed and prepared, clients will participate in a petition review with the attorney to go over the petition, page by page. We will confirm that your bankruptcy paperwork is thoroughly and diligently prepared.
After the petition is filed, each client will need to attend a 341 Meeting of Creditors. This is the one and only court appearance most bankruptcy filers will have. Although the hearing is straightforward, we understand that most of you have never been involved in a court proceeding and that this can be a very stressful event. That is why it is important to have the attorney you have met and consulted with be by your side.
Following the 341 Meeting of Creditors, we provide services to get you through to your bankruptcy discharge, including assisting with reaffirmations on secured debts, negotiating with bankruptcy trustees, responding to Motions for Relief from the Automatic Stay, and confirming Chapter 13 Plans.
If you are in a Chapter 7 bankruptcy, you will receive your discharge within 3-5 months after filing. If you have filed a Chapter 13 bankruptcy, the discharge will not be granted until after the completion of your Chapter 13 Plan, which is three to five years after filing. Regardless, of the time between filing and discharge, we make it our priority to aggressively represent you from the first step to the last.
What to Expect in a Typical Bankruptcy
See an attorney for an initial consultationFREE Case Review
Gather the required documents for filing: 6 months of pay stubs, two years of tax returns, and copies of other documents, such as divorce decrees, lawsuits, social security statements, etc.
Take a required credit counseling class
Wait while your bankruptcy petition is typed and prepped, typically two weeks
Meet with your attorney to review the petition and address any issues
File your bankruptcy petition
Attend a 341 Meeting of Creditors with the bankruptcy trustee assigned to your case (about 30 days after filing of the petition)
Take a second required course: debtor’s education, or financial management (must be completed within 30 days after the 341 Meeting of Creditors)
Wait for the 60 day objection to discharge period to pass
If in a Chapter 7, receive your Chapter 7 discharge (about 60-90 days after the 341 Meeting of Creditors)
If in a Chapter 13, receive your trustee’s recommendation of your Chapter 13 Plan
Obtain confirmation of the Chapter 13 by addressing the trustee’s recommendations and getting the approval of both the trustee and bankruptcy judge
Receive a Chapter 13 discharge after full completion of the Chapter 13, unless extreme circumstances prevent you from completing the Plan, and you receive a hardship discharge