Bankruptcy Attorney Surprise AZ

Bankruptcy Attorney Surprise AZ2023-08-27T16:34:07-07:00

Bankruptcy Attorney Surprise AZ

A Surprise AZ bankruptcy attorney knows that bankruptcy is often a misunderstood resource. Many people have a stigma against those who have to file for bankruptcy, when in reality, it is a tool that can greatly improve the financial status of someone struggling to get by. There are so many benefits to bankruptcy, but it’s important to not rush into filing. You will need to make sure you file for the right bankruptcy chapter (there are six to choose from), in order to yield the most benefits possible. At Wright Law Offices, we have witnessed for ourselves the significant impact that filing for bankruptcy can have on those who have run out of options.

Cars and people walk in front of building where a Bankruptcy Attorney Surprise AZ works

Dischargeable Debts

The main motivation for why people file for bankruptcy is because their debts are so high that their earnings do not enable them to pay it down in a reasonable manner. But certain debts are dischargeable, and others are not. For instance, medical debt, credit card debt, and other unsecured loans could be eliminated after declaring bankruptcy. Debts such as child support, student loans, or taxes are not dischargeable under bankruptcy. After speaking with an attorney about your situation, they can let you know which debts will be eradicated and which will stay.

Automatic Stay

After declaring bankruptcy, federal law does not allow creditors to contact you in any way. Foreclosures, repossessions, garnishments, and lawsuits will stop right away. However, you won’t be completely free of debt responsibility yet, since it depends on which types of secured and unsecured debts you have. But bankruptcy does give you the time you need to develop an approach to deal with your debts, whether that is through liquidation of your assets or establishing an affordable repayment plan. If you are seriously considering filing for bankruptcy, we suggest meeting with a  Surprise bankruptcy attorney before moving forward.

Keep Property and Assets

There is a common perspective that bankruptcy will rid you of all your possessions, but this is not fact. The bankruptcy code exempts vehicles, housing, clothing, and furniture from liquidating, while protecting your life insurance policy and retirement account. There are some bankruptcy chapters that will liquidate your assets to pay back creditors, but if that doesn’t work for you, you can choose to partake in a repayment plan instead. A repayment plan would have to be followed for several years and the amounts would vary based on your earnings. The remaining amount you owe may be discharged once you have finished the 3-5 repayment term.

Our Law Offices

The team at Wright Law Offices understands how much debts can affect your life. Many debtors feel pressure everyday knowing how much they owe but aren’t realistically able to pay them back. The weight of personal debts can affect one’s mental health, perspective, and hope for the future. If you are struggling with debts, please consider taking us up on our offer for a consultation. Once a Surprise bankruptcy attorney learns more about your individual circumstances, we can guide you to the next step. Call today.

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.
Attorney Ben Wright

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    What our clients are saying…


    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.


    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!!!


    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.


    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.


    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.


    Bankruptcy Myths Debunked

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