OR call us at 602-456-6085 today.
Phoenix Chapter 13 Bankruptcy Lawyer
If you are facing foreclosure or repossession, you may not know where to turn. Even if you’re unsure about bankruptcy, if you want to keep your home and possessions, speak to a knowledgeable attorney.
At Wright Law Offices, we find that Chapter 13 bankruptcy is an ideal option for many of our clients.
Scottsdale Debt Repayment Attorney
If repaying your debt is your goal, contact us online or call 602-456-6085 to schedule a free consultation. Bankruptcy is a powerful tool that can allow you to make a fresh financial start.
Repay Your Debt With Chapter 13 Bankruptcy
Unlike Chapter 7, which completely discharges your debt, Chapter 13 bankruptcy allows you to set up an affordable plan for repaying a portion of your debt. Following successful completion of your customized, three- or five-year plan, your remaining unsecured debt will be discharged.
In order to create a feasible Chapter 13 plan, our team at Wright Law Offices will carefully examine your income, expenses — such as your mortgage and car payments — and your debt, in order to craft a repayment plan that works for you. In most cases, we observe our clients’ credit scores increasing within one year of filing Chapter 13 bankruptcy.
Chapter 13 and Foreclosure Defense
Many people file for Chapter 13 when they are facing foreclosure. Through the automatic stay and other tactics, such as eliminating a second mortgage through lien stripping, we can help you avoid foreclosure and keep your home.
Contact Us for a Free Consultation
Call our Phoenix Chapter 13 bankruptcy lawyer at 602-456-6085 or send us an
e-mail, and we will respond promptly. We look forward to meeting with you in a free consultation.
Why File for Bankruptcy
As a Phoenix, AZ chapter 13 bankruptcy lawyer well knows, the number one benefit to filing for chapter 13 bankruptcy is that your assets are protected. Unlike chapter 7 in which your assets are only exempt up to a certain amount, you do not have to worry with chapter 13 about losing your things. Learn how this will benefit you, and then contact Wright Law Offices for help.
Benefit #1: Keep Your Stuff
Chapter 13 focuses on repayment plans, not repossessions. Protect everything you love and hold dear while making payments back on what you owe. In fact, you may not even need to pay back everything you owe. Your payment plan will be determined based on your income and how much debt you are currently in. You will be afforded with a three to five year plan in which you will make regular payments to pay off some or all of your debt based on the original agreement your attorney, the courts, and your debtors all decide upon.
Benefit #2: Make Payments
Under chapter 13, you establish a payment plan. This will allow you to slowly but surely pay off your debts so that you no longer have to worry about them. Your plan will not have any surprises; you will always know what you will owe well ahead of time so that you can work to pay it off. Once you have finished making payments, if you were not required to pay off all your debts, whatever debt is left will be discharged.
Benefit #3: No Collectors
Once you have worked with an attorney to file for chapter 13, debt collectors are no longer allowed to contact you. No more harassing phone calls or threatening letters. They know you have submitted to an agreement to pay off your debts and will no longer need to reach out to you.
Benefit #4: Worry Less
With a trusted Phoenix chapter 13 bankruptcy lawyer by your side, you can officially worry less. No more sleepless nights wondering how you will pay everything off. No more panic attacks over debt collectors ambushing you unexpectedly. You will have a clear path forward that will allow you to put your mind at ease while you work to discharge your debt.
Benefit #5: Support
Working with an experienced attorney will make all the difference in the world for your case. They will negotiate with lenders and represent you in court. They will ensure that your rights are protected and so are the assets that you and your family cherish the most. If you are still suffering from anxiety or stress, they can also provide you with resources to help overcome and manage those responses to the situation.
There are of course also drawbacks to filing for chapter 13. One of the biggest is that it can stay on your credit report for up to ten years. However, this is not always the case. You will lose all your credit cards with this type of bankruptcy. It will also be very difficult to get any type of loan, especially a mortgage. To determine if filing for bankruptcy is the right option for you, contact a Phoenix chapter 13 bankruptcy lawyer at Wright Law Offices for help.
Practice Areas
Free Consultation
Location Served
Tempe AZ, Phoenix AZ, Scottsdale AZ, Avondale AZ, Mesa AZ and Glendale AZClient 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
Why should you hire our firm to represent you in bankruptcy?
Great question. Here are a few reasons:
Ways we can help…
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.
How does Chapter 13 bankruptcy work?
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.
What role can a lawyer play in tackling credit card debt?
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.
What happens when foreclosure is knocking on my door?
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.
What is a tax debt lawyer's role?
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.