Phoenix Chapter 7 Bankruptcy Lawyers
Take Back Your Financial Future
Congress made changes to the bankruptcy laws in 2005, but bankruptcy remedies are still available for individuals, including Chapter 7 where you are still able to discharge debts.
Bankruptcy may give you a new beginning. Chapter 7 bankruptcy muzzles bill collectors and eliminates your credit cards and other unsecured debt.
You should discuss all of your options with an attorney, if you are experiencing financial problems such as:
• medical bills
• credit card debt
• judgments
• business failure
• foreclosure
• deficiency judgments
• collection lawsuits
• wage garnishments
• bank garnishments
Chapter 7 Bankruptcy is often known as a "Fresh Start" bankruptcy, because it wipes the slate clean. Chapter 7 Bankruptcy allows a person to eliminate or discharge most or all of their debts like medical bills, deficiency judgments, personal loans and credit card debts. A person is allowed to keep exempt property. Property which is not exempt is sold, with the money distributed to the creditors. In many cases, an individual may keep their home or car (secured debt), provided that they continue to make current payments and are up to date on the loan. Please contact an attorney for your particular case.
Many, but not all people are eligible to file a Chapter 7 Bankruptcy. Anyone who meets eligibility requirements, called a means test, is eligible to file a Chapter 7 Bankruptcy. Also, those people who have previously obtained a Bankruptcy discharge within the last 8 years may not be eligible. You should consult with an attorney to determine your situation.
Chapter 7 is usually the best and most common solution. However, if you are not eligible for Chapter 7 bankruptcy or if Chapter 7 does not meet your specific needs, Chapter 13 Bankruptcy is an alternative.
To determine whether a Chapter 7 or 13 is right for you, we encourage you to call the attorneys at Ciulla Torralba, PLLC for a free consultation.
Schedule a Free Initial Consultation
We understand your needs and will listen to your concerns. call 602-495-0053 or contact us online to schedule a free consultation.
We are available in our Phoenix office, located in the Bank of America tower, between 8:30 am and 5 pm, Monday through Friday. Appointments are available at other times upon request. We will be happy to schedule a time to meet with you in your home, office or in the hospital if that is helpful.
The Legal Representation You Deserve
Se Habla Español
Ciulla Torralba, PLLC
3030 North Central Avenue
Suite 608
Phoenix, AZ 85012
Telephone: 602-495-0053 | Fax: 602-258-7199
Maps and Directions
At the Law Office of Ciulla Torralba, PLLC in Phoenix, Arizona, we represent clients throughout the Valley in Phoenix, Mesa, Glendale, Tempe, Scottsdale, Peoria, Tucson, Chandler and Gilbert in Maricopa County, Pinal County, Gila County, Pima County and Yavapai County.
We are a debt relief agency, helping people file for bankruptcy relief under the bankruptcy code.