Mesa Bankruptcy Attorney, Benjamin A. Skinner has helped hundreds of individuals smoothly navigate the bankruptcy process. We handle every case with complete confidentiality and the personal attention you deserve.
Filing For Bankruptcy Protection Can:
- Stop Foreclosures
- Stop Repossessions
- Stop Harassing Creditor Calls
- Stop Wage Garnishments and Liens
- Give You a Fresh Start
Give yourself hope for a financially secure future. We understand that it may be difficult to openly seek help from a bankruptcy law firm. With professional legal counsel, you’ll be able to use bankruptcy as an effective tool to getting your finances in order and repairing your credit.
Types of Bankruptcy
Chapter 7 Bankruptcy
Also known as a “liquidation” or “fresh start”, Chapter 7 cases are typically resolved 4 months after the filing date. You will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over. Together we determine if this is the best course of action for you.
When a Chapter 7 petition is filed, all creditor collection activity will stop. There is an “automatic stay” that will protect you from the harassing phone calls; temporarily stop a foreclosure or eviction; and permanently stop creditors from collecting debts which are covered by your discharge.
Learn more about the benefits of Chapter 7 Bankruptcy here.
Chapter 13 Bankruptcy
Also considered a “reorganization” or “consolidation.” If your income is determined to be too high for a Chapter 7 bankruptcy, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room. 99% of all debtors who file Chapter 13 keep their assets. This may also be the best option for joint husband and wife filings.
A Chapter 13 petition will also stop creditors from harassing you and it will stop foreclosure on your home or other property so long as those assets are included in your “reorganization” plan and so long as you are able to make the payments required under your plan.
To learn more Chapter 13 Bankruptcy click here.
At Skinner Law Group, we offer competitive fees without sacrificing quality. We get the job done quickly and efficiently so you can get back on your feet as soon as possible.
Not sure if you’re ready to commit to the idea of bankruptcy? We’ll talk about your situation during a free consultation. Call Skinner Law Group today at (480) 422-3440 to schedule your free bankruptcy consultation.