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Bankruptcy FAQ

Frequently Asked Questions

Do I have to use an attorney to file bankruptcy in Mesa?
Federal bankruptcy law does not require you to work with an attorney, but it is highly advised that you do so. There are serious risks that come with attempting to file bankruptcy on your own, due to the complexity of the process. You could fail to get all your debts discharged, you might miss some of the available exemptions, and you could even make a mistake that would prevent you from being able to declare bankruptcy.

How do I know if I qualify for bankruptcy?
If you are struggling to keep up with your monthly bills and loan payments, or if your house is in danger of being foreclosed upon, you are probably eligible for bankruptcy. There is a means test for Chapter 7 bankruptcy that will determine whether your ability to pay is insufficient for your debt load, but even if you can't pass the test you may still be able to file Chapter 13. An experienced attorney at the firm can consult with you about the case.

What is the difference between Chapter 7 and Chapter 13?
Chapter 7 will allow you to discharge nearly all your debts as soon as you declare bankruptcy, and it is designed for those who are incapable of paying on what they owe. Chapter 13 is for people who can pay, but who are falling behind. It involves a plan where your existing debts will be grouped into one monthly payment for you to make over a 3 or 5 year period. At the end of a Chapter 13 payment plan, your debts will be discharged.

Will I ever be able to get a loan after I declare bankruptcy?
Some people have a misconception about bankruptcy, that it will permanently destroy their credit score. Your credit report will show the bankruptcy for 10 years, but then it will not be counted against you. In the mean time, you can get started on credit repair by applying for a secured credit card, exercising careful spending and saving habits and making sure to pay your bills on time.

Here to Guide You Every Step of the Way

An attorney from Price Law Group will meet with you personally to discuss your case and to answer any questions you may have about what bankruptcy can do for you . You can get started soon on a strategy for getting out of debt and making a new start financially. Take one step closer to financial freedom today and contact our attorneys who can answer all your questions and help you with the complex process of declaring bankruptcy.

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