When deciding whether to file for bankruptcy, it is imperative that you speak with a qualified attorney.  However, when you meet with bankruptcy attorney be proactive and be prepared to ask pertinent question in order to make informed decisions.  This is your bankruptcy and your financial future, take responsibility.

It can be a big waste of time for both you and the lawyer if you are not prepared for your first meeting.  Make sure to bring the necessary documents and have questions ready to go.  Being unprepared can end up costing you money because it will take an attorney longer to begin working on your case.

Some important questions you should ask the attorney are:

Which chapter is most advantageous for me?

In a chapter 7, the trustee can take any property you own that is not exempt under the state or federal exemption list available to you.  In a chapter 13, you are not required to give up any property.  However, you must enter into a three to five year repayment plan to pay back some or all of your debt.

If a chapter 13, what is my estimated monthly plan payment?

Usually, an attorney can provide a reasonably accurate range for their client at the first meeting.  However, if you have several months of paystubs with you, it will be much easier for the attorney to determine.

If a chapter 13, how many months will it last?

The length of a Chapter 13 plan depends on the Means Test.  You do not want to be locked into a 60 month plan unless it is necessary.

What type of debts does bankruptcy eliminate?

Unsecured debts such as credit card debt and medical debt can be wiped out or discharged in either bankruptcy chapter.

When will my case be filed and when will it be over?

The attorney should be able to describe the basic steps in the process and how long it will take.  However, the length of the process depends greatly on how                   fast you are able to provide your attorney with the required documents.

 Are there any problems I should anticipate?

Your attorney should be experienced to anticipate possible problems, and how certain trustees or judges will react to them.

How much are attorney fees and what additional costs will I have to pay?

There are attorney fees, court filing fees that can range from $281 to $306, as well as bankruptcy class fees.   Make sure your attorney clearly explains what                   is included in their fees.

The staff at Wright Law Offices has the experience and knowledge to answer all of your questions and concerns.  We have offices located in Avondale, Phoenix, and Scottsdale.

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    Our Locations

    • Phoenix Office – New Wright Law Offices  2999 N. 44th St., Ste 600 Phoenix AZ 85018  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Phoenix Office – Old Wright Law Offices  668 N. 44th St., Ste 320 Phoenix AZ 85008  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Scottsdale Office  Wright Law Offices  7135 East Camelback Road, Ste 230 Scottsdale AZ 85251  Telephone: 480-845-0145 / 866-703-3287 Scottsdale Law Office
    • Tempe Office  Wright Law Offices  2238 S. McClintock Dr. Tempe AZ 85258  Telephone: 480-845-0145 / 866-703-3287 Tempe Law Office
    • Avondale Office Wright Law Offices  12725 W Indian School Rd, Suite E-101 Avondale AZ 85392  Telephone: 623-258-4480 / 866-703-3287 Avondale Law Office
    • Mesa Office Wright Law Offices  4856 E. Baseline Rd. Suite #104 Mesa, AZ 85206 Telephone: 480-845-0145 / 866-703-3287 Mesa Law Office
    • Glendale Office  Wright Law Offices  20325 N. 51st Ave., Suite 134 Glendale, AZ 85308 Telephone: 623-258-4480 / 866-703-3287 Glendale Law Office

    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.
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    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.
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    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.