Dealing with debt is stressful and overwhelming. And finding honest and reliable information to find a solution can be difficult. At Barski Law Firm, we sympathize with unforeseen circumstances that lead to unmanageable debt. We know the stress involved. We know the worry of losing a house, a vehicle or even a child’s savings account. That is why our focus is narrow – we specialize in protecting assets and eliminating debt in bankruptcy. That is all we do.
Financial hardship can arise due to medical bills, job loss, a bad economy, bad business deals, a personal injury, credit card interest, or a combination of all of these. Even unforeseen auto accidents can exhaust your policy limits and leave you with unexpected debt. The mounting stresses that come with debt including wage garnishment, bank garnishments, levies, vehicle repossessions and foreclosures along with the unrelenting creditor harassment.
Filing for bankruptcy can immediately stop foreclosures, stop wage garnishments, avoid vehicle repossessions, and stop creditor harassment. Our law offices will provide the legal advice you need to plan and prepare to eliminate your debt in bankruptcy court and get a fresh start. Most debt can be eliminated in bankruptcy, with some common exceptions such as student loans and recent tax debts.
We have been practicing law for decades in Scottsdale, AZ and we represent clients throughout Maricopa County. We are trusted because we provide clients with honest, straightforward and comprehensive alternatives for debt relief. Don’t settle for less experienced law firms when it comes to your financial future. Contact a Scottsdale, Arizona bankruptcy attorney and eliminate your credit card and medical bills today.
We represent individuals and businesses with debt relief options under the bankruptcy code. We will answer all your bankruptcy faqs, explain the bankruptcy laws, outline the bankruptcy process, maximize your bankruptcy exemptions, protect your retirement and social security from creditors, advise you on the means test to qualify for Chapter 7, engage in debt negotiation with secured creditors and be with you every step of the way. Bankruptcy protection can protect your real estate and be the only realistic foreclosure defense strategy available.
For most clients, Chapter 7 bankruptcy provides the quickest way to eliminate medical bills and credit card debts without repaying creditors. Debtors get a Chapter 7 discharge approximately 90 days after filing bankruptcy and the case is closed shortly thereafter. It is essential that you meet with an Arizona bankruptcy lawyer early to maximize your bankruptcy exemptions and protect your assets. An experienced bankruptcy lawyer can save clients considerable money through pre-bankruptcy planning.
Chapter 13 bankruptcy is best for higher wage earners, individuals with non-exempt assets, or to pay priority tax debts over without penalty. Chapter 13 bankruptcy is often the only way to keep your assets and stopping foreclosure while eliminating your debts. If you choose a Chapter 13 payment plan, we have experience in minimizing the net disposable income you will have to pay to creditors over the term of the Chapter 13 plan. Chapter 13 debtors are only required to pay on a monthly basis the amount remaining after deducting their reasonable living expenses in a projected budget. We get clients the lowest payments plan possible and will negotiate with secured creditors to reduce payments.
We do not limit ourselves to certain chapters of the bankruptcy code. For more complicated situations such as business bankruptcy or for higher income earners who want to restructure secured debts, we can handle your Chapter 11 bankruptcy. We have even successfully handled Chapter 12 plans for farmers. You will be counseled on all chapters under the bankruptcy code and not limited to those chapters or options that the less experienced find easiest for them.
When you file bankruptcy with a bankruptcy lawyer, all creditor calls will stop and there will be no further debt collection activity. We will be with you every step of the way. From counseling you on getting new loans in bankruptcy to defending adversary proceedings objecting to discharge, we have helped clients in hundreds of cases obtain the fresh start they deserve.