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The Steps Involved in Filing Bankruptcy In Arizona

Are you tired of being threatened by your creditors via phone, emails, texts, and endless streams of letters? Debt relief offers a temporary solution that keeps them at bay. Filing bankruptcy with a trustworthy bankruptcy law office is the last bullet we all have to use after a long battle with debt, and it’s nothing to be ashamed of.

Filing for bankruptcy is a quick way to get fast debt relief. The only problem is that it takes time (a couple of months) to complete the entire process. On the bright side, you no longer have to put up with the harassing messages and letters from your creditors once you file for bankruptcy. That being said, how do you file for bankruptcy? Here’s what to do.

Collect Your Bankruptcy Documents

Whether you’re working alone or with an attorney, filing for bankruptcy will require that you look for recent documents about your debt, income, and expenses. You might also want to check your credit report from a credit-reporting agency. Next, keep your recent income tax returns and bank statements nearby.

In some instances, you might be asked to explain some expenses. Having an attorney by your side ensures that all the required details are recorded accurately. Remember, you can’t afford to make any mistakes that could drag down your efforts to receive debt relief. It would also be wise to provide honest information.

Credit Counselling

If you intend to file for bankruptcy, the law requires that you must take an approved counseling course from an approved provider. The course is designed to teach you more about debt, its impact, and how to embark on a budget. Many providers will allow you to complete the course online or via phone. Otherwise, you might be in for a one-on-one session with the counselor.

Automatic Stay

The automatic stay takes effect soon after your bankruptcy filing has been filed and processed. At this stage, your creditors should not call you regarding the debt, or else they may face legal consequences. But what if the creditor sends you a letter or two at this stage? Inform them that you have filed for bankruptcy and send them to your attorney. This helps clear the mixup in case they didn’t get proper notice.

Meeting Creditors

Although it sounds scary, meeting your creditors is one of the easiest steps since the actual debtor may not be present at the meeting. Instead, they may send a trustee to represent their interests. Once a payment plan has been agreed on, debtors are required to take another course (the debtor education course) to teach them how to manage money, create budgets, and how to spend borrowed money appropriately.

Final Remarks

There are several ways you can file for bankruptcy; you can do it yourself or get in touch with a bankruptcy lawyer for legal help. Getting legal help is the right choice in these circumstances, especially if you know very little about what needs to be done. On the other hand, bankruptcy lawyers are proficient in representing debtors in matters concerning financial constraints. If you need help filing for bankruptcy, don’t hesitate to get in touch with us. Be sure to visit our website at for more information.

Arizona Bankruptcy and Debt Solutions
1013 S Stapley Dr
Mesa AZ 85204

Do You Qualify for Bankruptcy?

Filing for bankruptcy isn’t the right solution for everyone. The determination of whether or not bankruptcy is an appropriate debt relief solution for your will be made based on a number of factors including the type and total level of your debt. Use this form to schedule an appointment with one of our bankruptcy attorneys. The consultation is completely free and there is no obligation.