File For Bankruptcy in Arizona

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
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Do You Qualify for Bankruptcy Protection?
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How We Help in Arizona

Ready to Get Out of Debt?

UpRight Law helps many Arizona residents get fresh financial starts.

If you’re ready to take control of your finances and build a more stable future, the bankruptcy attorneys at UpRight Law want to help. With our unique online platform, you can connect with an attorney for a free case evaluation from the privacy of your home or office. There’s no need to travel, miss work, pay a babysitter or otherwise disrupt your daily routine.

Personal bankruptcy gives many people in Arizona and around the United States a fresh start, eliminating or restructuring overwhelming debt so that families can move forward with confidence and financial security. Are you ready to take the first step toward financial freedom?

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Eliminate Credit Card Debt in Arizona

When you’re buried in credit card debt and struggling to make minimum payments, it may seem as if there’s no end in sight. Personal bankruptcy has provided relief to millions of Americans who felt the same way. According to the U.S. Department of Justice, about $20 billion in credit card debt is discharged in bankruptcy each year. If your credit card balances just don’t seem to decline and financial stress is impacting your life and your family, find out whether Chapter 7 or Chapter 13 bankruptcy might give you a fresh financial start.

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Stop Creditor Harassment in Arizona

Both state and federal law protect Arizona residents from unfair and deceptive debt collection practices. The federal Fair Debt Collection Practices Act provides for damages when collection agencies and debt buyers violate the law, while violation of the Arizona state statute is a criminal act. When you’re in difficult financial circumstances, you still have rights—no matter what debt collectors would like you to believe. If you’ve been threatened with arrest, are receiving repeated harassing telephone calls, have been lied to about the status of your debt or subjected to shouting and vulgar language, learn more about your rights today.

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Chapter 7 Bankruptcy in Arizona

Many Arizona residents find themselves in need of a fresh financial start. More than 14,000 individuals and couples in Arizona filed for Chapter 7 bankruptcy last year. Chapter 7 can provide immediate relief, as an automatic stay is typically entered as soon as the bankruptcy petition is filed. The automatic stay prevents further collection action for as long as it is in effect. Within months, a Chapter 7 bankruptcy case can be concluded, and most unsecured debt can be eliminated by the discharge order. If you’re struggling to stay afloat, it’s time to learn more about how Chapter 7 bankruptcy may be able to put you on more solid financial footing.

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Chapter 13 Bankruptcy Explained

Unlike Chapter 7 bankruptcy, which eliminates most unsecured debt outright, Chapter 13 bankruptcy provides a framework for creating a manageable repayment plan. Chapter 13 offers a solution for many Arizona residents who have too much income to qualify for Chapter 7 bankruptcy, who are trying to catch up on secured debt such as home loans and automobile loans, or who have non-exempt assets to protect. If you’re facing mortgage foreclosure or vehicle repossession, or just need some breathing room to get caught up on your bills, learn more about Chapter 13 bankruptcy.

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Foreclosure and Bankruptcy in Arizona

We’re often asked whether bankruptcy can stop foreclosure. The answer differs depending on the specifics of your situation. For many people, Chapter 13 bankruptcy can stop foreclosure by offering the homeowner the opportunity to catch up past-due balances over a three to five year repayment plan. If you’re not able to make current mortgage payments as they come due, bankruptcy won’t provide a direct solution. However, the automatic stay that is entered instantly when most bankruptcy cases are filed will stop foreclosure temporarily, alleviating the time pressure while you seek other solutions.

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Medical Debt in Arizona

If medical debt is breaking your budget and creating stress in your life, you’re in good company. Nearly half of personal bankruptcy cases are triggered, at least in part, by medical bills. The good news is that Chapter 7 bankruptcy provides real relief to many Arizona residents who are struggling with medical debt. As unsecured debt, most medical debt can be eliminated in a Chapter 7 case. After debt is discharged, creditors and collection agencies are prohibited by court order from making any further attempt to collect the debt. If this sounds like the type of help you need, schedule a free consultation today to find out how we can help you sleep better tonight!

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Arizona Wage Garnishment Laws

Some states impose limitations on the amount of wages that can be garnished, but Arizona does not. Therefore, wage garnishment in Arizona is limited by federal law, which protects 75% of disposable income or 30 times the federal minimum wage each week—whichever is greater. If you’ve received notice that your wages are going to be garnished and can’t afford to lose 25% of your income, schedule a free consultation today. Personal bankruptcy can stop wage garnishment, even if the garnishment is already in progress.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Arizona

Our attorneys have helped many Arizona residents, including those in Phoenix, Tucson, Tempe, Gilbert, Mesa, Lake Havasu City and many other cities. We know that these are difficult times for many good people, and we want to help the people of Arizona get back on their feet so that you can build stronger, more stable financial futures for your family. If you’re ready to make a change, schedule a free consultation today.


Frank T. Waters

Partner

Fort Mohave, AZ
8 Years of Experience

FAMILY HISTORY

I was born in Mesa, and am a fourth-generation native Arizonan with ties back to Old Tombstone and the original settlers of Southeastern Arizona. In fact, my great grandfather […]

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Scott D. Gibson

Partner

Tucson, AZ
35 Years of Experience

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Leonard Sominsky

Partner

Phoenix, AZ
17 Years of Experience

Leonard has been specializing in consumer bankruptcy since 1998. In 1996, he received his J.D. from the University of Missouri at Kansas City School of Law. Before that, he attended Arizona State, whe […]

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Sig Halverstedt

Partner

Marana, AZ
10 Years of Experience

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Robert Teague

Partner

Phoenix, AZ
19 Years of Experience

Robert R. Teague has been representing bankruptcy clients in Arizona for 12 years. He understands the multiple concerns and fears of anyone considering filing bankruptcy. The fear […]

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