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If you are struggling with significant debt in the greater Phoenix metropolitan area, you are not alone. In an unsteady economy, it can be hard to pull yourself out of financial difficulties brought on by job loss, divorce, medical bills or too much credit card debt. In certain cases, the best way to get out from under a heavy debt is to file for bankruptcy.

Phoenix Bankruptcy Attorney

At the Daly Law Firm, Doug Daly helps people survive a financial crisis by analyzing their debt and assets to determining whether bankruptcy will be the best option. For individuals in Phoenix, Scottsdale and throughout Maricopa County, bankruptcy attorney Doug Daly helps his clients determine which type of solutions are available, including:

  • Chapter 7
  • Chapter 13
  • Chapter 11
  • Debt and Mortgage Renegotiation

Bankruptcy Information Center

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What are the alternatives to bankruptcy?

You may not have to file bankruptcy. Before you take this drastic step it would be a good idea to look at your options such as:

  • Negotiate with creditors
  • Design a repayment plan
  • Debt counseling

Don’t be afraid to call your creditors and see if they can help you make a payment plan. You can also talk with a good financial planner to see if you can get on a budget that will allow you to comfortably reduce your debt.

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Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a means of protecting your property, including a house and cars, while discharging debt. Chapter 7 bankruptcy is basically a liquidation proceeding. The debtor turns over all property to a trustee who then changes the property into cash in order to pay off creditors. This bankruptcy is pretty fast and the debts are discharged within four months. This bankruptcy can give you a “fresh start” by wiping out all of your debt.

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Chapter 13 Bankruptcy

Chapter 13 bankruptcy can help stop foreclosure while you restructure your debts. Chapter 13 bankruptcy is known as a reorganization bankruptcy. You are not liquidating all your assets so it appeals to individuals who have non-exempt property they want to keep. It is also an option for individuals with predictable incomes and whose income is enough to pay their reasonable expenses with some money left over to pay off their debts.

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What is Chapter 11 Bankruptcy?

Chapter 11 bankruptcy is a form of bankruptcy reorganization available to individuals, corporations and partnerships. It has no limits on the amount of debt discharged. It is the usual choice for large businesses seeking to restructure their debt. Chapter 11 is the most flexible bankruptcy, but it has a low success rate. It is better for very large corporations than individual people.

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How do I repair my credit after bankruptcy?

Repairing your credit after a bankruptcy can be hard, but it can be done. Your focus should be on gaining positive accounts on your credit report that will "age" as your bankruptcy does. So, while your bankruptcy gets further into the past, your good accounts get older as well and you will have positive, recent credit history built up. It is important to remember to wait to get new credit until your situation (the one that caused you to file for bankruptcy) has changed.

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Bankruptcy Resources

US Bankruptcy Court - Phoenix Division

230 N. First Ave
Suite 101
Phoenix, AZ 85003
(602) 682-4000

United States Bankruptcy Court for the District of Arizona - Internet website which gives more information about local Arizona Bankruptcy courts.

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Daly Law Firm, PLLC - Arizona Bankruptcy Lawyer

Doug Daly understands that bankruptcy can be highly emotional and stressful. If you are seeking legal advice or representation for bankruptcy in Phoenix, Scottsdale, or the surrounding areas in Maricopa County, AZ, then call the Daly Law Firm at (480) 607-8308 for a free consultation.

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