Scottsdale Chapter 7 Bankruptcy Attorney
Getting a Fresh Start
Chapter 7 bankruptcy provides an opportunity to eliminate your debts and get a fresh start, so you can move forward unencumbered by debt. At Reque Law Firm, PLLC, our Chapter 7 bankruptcy lawyer in Scottsdale helps clients find the best solution to their debt problems. We can evaluate your situation and help you determine if Chapter 7 bankruptcy is the best option in your situation.
Take the first step toward financial freedom and call (602) 428-9565 to schedule a consultation.
Eliminating Debt with Chapter 7
A means test is used to determine if you qualify for Chapter 7 bankruptcy. Most people who file for Chapter 7 have a significant amount of credit card debt and other unsecured debt, but not too many assets. The Chapter 7 bankruptcy process enables you to eliminate credit card bills, unsecured loans, medical bills, and other unsecured debt in a matter of months. It is important to note that all debts cannot be discharged in bankruptcy.
Debts that cannot be discharged include:
- Student loans
- Child support
- Fraudulent debt
Bankruptcy law can be complex and determining what debts can be discharged and what assets you may be able to keep requires a consultation with a knowledgeable attorney. Our Chapter 7 bankruptcy attorney in Scottsdale can evaluate your situation and explain the law, as it applies to your case. We offer a free initial consultation, so you can get the personalized advice you deserve.
Reaffirming Certain Debts
Secured debt for certain assets, such as your home or car, cannot be discharged through Chapter 7 bankruptcy. If you don’t pay your car payment or mortgage, the lender will take the asset. However, if you want to keep your home or your car, you can reaffirm the debt. In order to do this, you must bring the account current and continue making payments according to the original agreement.
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