Atchley & Delgado Llp

Getting A Fresh Start

There is life after bankruptcy. Filing bankruptcy in Arizona can be a difficult decision to make, and an emotional event. If you are faced with the decision of filing bankruptcy, your life is not over. This is an opportunity to start over again, wipe the slate clean, and rebuild your credit. We have seen hundreds of families get control of their financial life and get back on track within 2 years of filing bankruptcy. Most often, within 6 months of filing bankruptcy, you will be able to start rebuilding your credit by purchasing a car, some banks provide credit card opportunities specifically for those individuals looking to rebuild their credit, and yes you will be able to obtain a home loan within a couple of years after your bankruptcy(see a mortgage professional for specific details.)


Filing Bankruptcy in Arizona

There are a couple of different types of bankruptcy chapters available to consumers who are in need of filing bankruptcy. Depending on your particular situation, you may qualify for a chapter 7 or chapter 13 bankrutpcy. Each bankruptcy chapter has its benefits and works slightly differently from the next. For example, in a chapter 7 bankruptcy, almost all property and debts are discharged and consumers may retain certain items such as vehicles that they do not wish to include in the bankruptcy and can continue paying on these items. Generally speaking, most debts will be included in a chapter 7 bankruptcy. In a chapter 13 bankruptcy case, it is a re-organization of one's debts and therefore a repayment plan based the income of the individuals filing for bankruptcy, is established by the law firm and submitted for approval by the state appointed Trustee. The Trustee disperses funds paid to all lenders according to this agreement. The amount of the payment will be a fixed fee for a specified time frame. Please visit our chapter 7 & chapter 13 bankruptcy pages for additional details.

Products Carried: Bankruptcy Chapter 7 Bankruptcy Chapter 13 Bankruptcy Consumer Bankruptcy Filing Bankruptcy in Arizona

Languages Spoken: English & Spanish

Payment Options: Visa, Master Card, American Express, Discover, Debit Card, Personal Checks