Debtors commonly explore their options with a debt settlement company before consulting with an Arizona bankruptcy lawyer. Most debtors get discouraged with the entire debt settlement process. In most circumstances, choosing to file a Chapter 7 or Chapter 13 bankruptcy is a more efficient and better option.

Thinking about charging up your credit cards to buy Christmas presents? Planning to hire an Arizona bankruptcy lawyer to file your Chapter 7 bankruptcy or Chapter 13 bankruptcy in the near future to discharge such debts? Think again.

Chapter 7 bankruptcy and Chapter 13 bankruptcy are significant life events. Don’t wait until the last minute before contacting an Arizona bankruptcy lawyer to learn about your options. There are many steps to help you prepare for the process. My goal is to make your bankruptcy as smooth as possible so long as you do the necessary work prior to filing bankruptcy.

So you want to file Chapter 7 or Chapter 13 bankruptcy, but you can’t afford an Arizona bankruptcy lawyer. If you do it by yourself, you will undoubtedly make very costly mistakes. Bankruptcy can cost anywhere from $1,200 – $4,000, depending on the complexities of your case. Don’t be cheap with your bankruptcy!

If a debtor files bankruptcy before receiving a tax refund, the money may have to be surrendered to the bankruptcy trustee. Therefore, a competent Arizona bankruptcy lawyer will help avoid a premature bankruptcy filing that may cost the debtor thousands of dollars.