Debt Settlement Lawyer Scottsdale, AZ

Debt Settlement Lawyer Scottsdale, AZ2024-05-20T16:12:04-07:00

In today’s society, there are so many things to pay for. It almost feels as if you can never quite get ahead. If you are dealing with overwhelming debt, it’s important to know that you have the right to settle them. Sometimes, filing for bankruptcy is the right choice. However, it is a decision that must not be taken lightly. We can assess if your situation qualifies for debt settlement. If you try to settle your debts without help from our Scottsdale, AZ debt settlement lawyer, you could run into potential problems like creditors who are unwilling to cooperate with you. Let our team at Wright Law Offices handle your bankruptcy filing and negotiate your debts in a way that yields success and less stress. Feel free to contact us today if you would like a consultation with an attorney who knows about bankruptcy.

Types Of Bankruptcy

There are six types of bankruptcy you may file for, but some chapters are geared more towards certain situations than others. Chapter 7 is referred to as liquidation bankruptcy, in which you can use your assets to pay back creditors. Chapter 9 entails an adjustment of debts for a municipality. Chapter 11 is a reorganization bankruptcy chapter, in which allows businesses or individuals to restructure their finances. Chapter 12 is provided to fisherman or family farmers who have a regular annual income and want to adjust their debts. Chapter 13 can be used by individuals with consistent income to restructure their debts. Finally, Chapter 15 was created to handle bankruptcy cases that involve more than one country. It is imperative that you consult with our dedicated debt settlement attorney before making any final decisions about which chapter to file for. We can ensure the chapter you choose is going to benefit you the most.

About Debt Settlement

Being burdened by debt is never an easy situation to deal with. It is an obligation to pay back your credit cards and other debts, unexpected events may arise and cause you to struggle to maintain them. You may have endured a job loss, developed an illness, or encountered other financial difficulties that have impacted our ability to keep up on debt payments. The process of debt settlement is negotiating with creditors so that you pay back less than the amount owed. Examples of debts that you may qualify for include:

  • Medical bills
  • Credit cards
  • Retail cards
  • Cash advance loans
  • Payday loans
  • Private student loans
  • Vehicle loans after repossession
  • Signature (personal) loans

Wright Law Offices

To understand the benefits and drawbacks of bankruptcy and how it can affect your finances and/or business, you must talk to our Arizona debt settlement attorney who is experienced in handling cases like these. We can confirm which chapter suits your circumstances the best. We can guide you every step of the way so that the most ideal outcome is achieved. Don’t hesitate to reach out to us at Wright Law Offices about debt settlement or filing for bankruptcy.

How A Debt Settlement Lawyer Can Help

A Scottsdale, AZ debt settlement lawyer can be an invaluable ally when faced with mounting debt. The pressure from creditors can be overwhelming, making it difficult to see a clear path forward. At Wright Law Offices we understand how crucial it is to handle such sensitive financial issues with care and professionalism. Our team is dedicated to helping you regain financial stability by negotiating directly with your creditors to reduce the total amount you owe.

Understanding Debt Settlement

Debt settlement involves negotiating with creditors to pay a lump sum that is typically less than the full amount you owe. It is an option worth considering if you are unable to keep up with your minimum payments and are facing the prospect of escalating interest rates or potential lawsuits. Our skilled Scottsdale debt settlement lawyers have the knowledge and experience to guide you through this process, ensuring that your interests are protected.

Our approach starts with a comprehensive assessment of your financial situation. This allows us to develop a strategic plan tailored to your specific circumstances. We take the time to understand every aspect of your financial condition, which is crucial for effective negotiations.

The Legal Assistance You Can Expect

The advantage of having a debt settlement lawyer on your side is the ability to rely on professional representation. Creditors often take negotiations more seriously when they are dealing with an attorney, which can lead to more favorable terms and outcomes for you. Our lawyers are adept at communicating with creditors and collection agencies, alleviating the stress these interactions can cause.

One significant benefit is the protection from legal actions that our representation can offer. Creditors and collectors are less likely to pursue litigation when they know you have legal counsel advocating on your behalf. Additionally, we handle all communications with your creditors, ensuring that all interactions adhere to the Fair Debt Collection Practices Act, which protects consumers from abusive and unfair collection practices.

How We Facilitate Your Financial Recovery

The ultimate goal of debt settlement is not just to reduce your debt but to provide a foundation for long-term financial health. Our team at Wright Law Offices works not only to settle your debts but also to help you plan for a financially sound future. By reducing your debt burden, we can help improve your credit score over time, making it easier for you to qualify for credit in the future at better rates.

Moreover, settling your debts can prevent more drastic measures like bankruptcy, which has a longer-lasting impact on your credit score. Our knowledgeable attorneys will explore all options with you, aiming to find the best solution that minimizes the impact on your financial future.

Why Choose A Debt Settlement Lawyer

Choosing the right legal partner is crucial when dealing with debt settlement. We prioritize transparency and communication. You will always be informed about the progress of your case and understand all the available options. Our commitment is to provide not just legal expertise but a personalized approach that respects your unique financial situation.

If you are struggling with debt and looking for a way to address it effectively, consider reaching out to us. Our dedicated team is ready to help you take the first steps towards a more secure financial future. Let us help you make informed decisions that lead to lasting financial stability. Contact a Scottsdale debt settlement lawyer today to schedule a consultation and start your journey to financial recovery.


Practice Areas

Bankruptcy Debt Assistance

Free Consultation

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    Location Served

    Tempe AZ, Phoenix AZ, Scottsdale AZ, Avondale AZ, Mesa AZ and Glendale AZ

    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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    Use the form below or call us at 602-456-6085 today. We’re here to help.

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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


      Bankruptcy Myths Debunked

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      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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