Bankruptcy Attorney Litchfield Park

Bankruptcy Attorney Litchfield Park2024-11-19T09:30:09-07:00
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Bankruptcy Attorney Litchfield Park

If you are struggling with personal debts that are making life more difficult, there’s no risk in meeting with a Litchfield Park bankruptcy attorney about potentially filing for bankruptcy. If your debts vastly outnumber your earnings and you don’t see that changing in the near future, then it’s worth considering the benefits that bankruptcy could provide for you. Especially in recent years, more people are suffering financially due to the pandemic and other factors in the economy. Eventually, it can get to a point where making ends meet feels impossible. But thankfully, bankruptcy is available to those who are in great financial need of a restart. After reading the benefits of bankruptcy below, feel free to reach out to our legal team at Wright Law Offices for a consultation on your specific circumstances.

Gavel next to a judge as they make a decision on the case for a Bankruptcy Attorney Litchfield Park

Prevents Foreclosure and Repossession

After you file for Chapter 13 or Chapter 7 bankruptcy, an automatic stay will be enforced by the court that halts all collection efforts against you. The entails vehicle repossession, mortgage foreclosure, and other property repossession. Many debtors find immense relief in getting time away from pestering creditors so they can actually reassess their financial situation. Filing for bankruptcy when you are worried about losing your home or car can be the choice that changes your path moving forward.

Halts Wage Garnishment

When filing for bankruptcy, collection efforts stop. Depending on the chapter you file for, your eligible debts will get discharged or restructured in a repayment plan. Wage garnishments will be stopped, along with other aggressive tactics debt collectors use to get payments. Creditors will no longer be able to contact you by calling, sending letters, etc. If you have filed for bankruptcy and are still getting bothered by debt collectors, this is a violation of your bankruptcy rights and we urge you to contact a Litchfield Park bankruptcy attorney as soon as possible so we can intervene.

Fixing Your Credit

It’s important to note that filing for bankruptcy will result in a temporary hit to your credit report. The bankruptcy will appear on your report and your credit score is likely to go down. How much your score goes down will depend on what your score is currently. If it is already on the lower end, then it may not affect it as much. But if you have a middle to high score, it’s probably going to decrease significantly. A bankruptcy will disappear from a credit report after about a decade, so it’s imperative that you do not rush into filing for bankruptcy and that you are aware of the downsides that come with it.

Help From an Attorney

Dealing with debts that are making your ability to survive financially difficult can be alleviated by filing for bankruptcy. But as a Litchfield Park bankruptcy attorney suggests, there are pros and cons to consider, and different chapters will have different impacts. If you have questions about filing for bankruptcy, our team at Wright Law Offices is ready to take your call.


Client Review

"Benjamin Wright with Wright Law Office made a very difficult time for us much easier. We were struggling and did not know what our options were. He explained all our options and helped us to make the best financial decision. They made things easy and were always available to answer any questions we had. I would definitely recommend him."
Carlos Aguirre
Client Review

Why should you hire our firm to represent you in bankruptcy?

Great question. Here are a few reasons:

  • 1. Bankruptcy is our sole area of practice. Attorney Wright has over 10 years of experience in the field of bankruptcy and has helped over 1000 people successfully file.
  • 2. Attorney Wright has an accounting background that is useful in analyzing complex financial documents. Prior to law school he obtained a degree in accounting from the University of Wisconsin School of Business. He exercised his strong numerical aptitude in the field of accounting, including several years with The Kohler Co., before ultimately deciding to pursue a law degree.
  • 3. New clients meet with an attorney during their first visit. We understand your time is valuable. It is important your questions are answered quickly and accurately so you can take appropriate steps to secure a better financial future and eliminate fear and stress.
  • 4. In business, referrals are the highest form of professional compliment. We frequently receive referrals from other lawyers and previous clients.
  • 5. Our firm is small which enables us to focus on quality over quantity. We don’t have billboards on the I-10 or banners affixed to public transportation. Our approach is a bit more understated. We care about people and doing things right and it shows in our low employee turnover and positive reviews.
  • 6. Perhaps the most important consideration is the cost of filing bankruptcy. We continuously assess our fees to ensure we offer fair and competitive pricing. We want to offer you a deal without sacrificing the quality of your experience.
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    What our clients are saying…

    TOP Rated PHOENIX BANKRUPTCY ATTORNEY

    Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.

    Tara
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY

    I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!

    Steffanie
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY

    Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.

    Damian
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY

    Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.

    Shannon
    TOP Rated PHOENIX BANKRUPTCY ATTORNEY

    I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.

    Jenna




    Arizona Bankruptcy Blog

    FAQs About Bankruptcy in Arizona

    For individuals who maintain a steady income but are grappling with debts that need more time to be cleared, Chapter 13 bankruptcy could provide a viable solution. This form of bankruptcy enables debtors to retain their property while adhering to a three to five-year repayment plan. In Scottsdale, the bankruptcy attorneys at Wright Law Offices utilize their expertise in developing personalized Chapter 13 plans that are uniquely designed to suit your circumstances and work in your favor.

    When credit card debt spirals beyond control, the feelings of isolation and stress can be daunting. However, with a knowledgeable lawyer by your side, the situation can be transformed significantly. Lawyers are experienced in negotiating with formidable credit card companies, often succeeding in achieving reduced interest rates or a minimized debt total. At Wright Law Offices, located in Phoenix, our committed legal team stands ready to help you take back control of your financial situation and direct you towards other potential debt relief avenues like bankruptcy.

    The prospect of foreclosure can make it seem like your world is tumbling down. Yet, it's vital to remember that there are legal routes available to navigate this challenging situation. Foreclosure is a process initiated by lenders when mortgage payments are overdue, leading them to recover their loan by selling your property. While it sounds intimidating, our adept team at Wright Law Offices in Tempe is here to assist. We guide you through every step of the process, thoroughly exploring all viable options, such as loan modification, bankruptcy, or even contesting the foreclosure in court.

    Being in debt to the IRS can create enormous stress. However, a tax debt lawyer can intervene and significantly improve your situation. They're skilled in negotiating a viable payment plan with the IRS, striving to reduce the tax debt you owe, and in certain scenarios, even getting penalties and interest absolved. The proficient team of Scottsdale tax debt lawyers at Wright Law Offices is committed to helping you face this challenge with optimism. Leveraging our deep knowledge of tax law, we're dedicated to securing the best possible outcome for every client we represent.

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