FAQ (Frequently Asked Questions)

FAQ Frequently Asked Questions

Tucson, Arizona Bankruptcy Law Firm

Our Tucson Bankruptcy law firm has fielded lots of great questions regarding filing bankruptcy in Arizona.  Our attorneys and staff have the answers to your questions and would rather that you asked us and got the right answer rather than take the word of someone who isn’t as qualified as our Tucson debt relief experts.  Ask us and get the correct answers to your questions regarding debt relief and bankruptcy in Tucson, Arizona and surrounding communities.  The knowledgeable bankruptcy lawyers at My Arizona Lawyers, PLLC will provide you with the correct answers that you seek.

Q: Who will know if I file for Bankruptcy in Tucson?

A: If you file for bankruptcy, it doesn’t mean that everybody will know that you have filed.  The only parties that will automatically receive notice of your Tucson bankruptcy are: 

  • your creditors
  • the bankruptcy court
  • the Internal Revenue Service (IRS)  

Your employer will not be notified of your bankruptcy, unless, however, your employer is also one of your creditors.  Filing bankruptcy in Tucson and throughout Arizona is a matter of public record, though, in theory, anyone who wants to find out if you have filed bankruptcy could determine that you had filed.  Generally, though, only you, your creditors and the IRS will know that you have filed for bankruptcy.  The My Arizona Lawyers, PLLC will take extra steps to ensure the protection of your personal information and the confidentiality of your situation.

Q: Do I have to go to court in order to file for bankruptcy?

A: Yes, the law requires that you attend a Section 341 (Meeting of Creditors).  This hearing is conducted by the bankruptcy trustee assigned to your case.  At this hearing, the trustee will ask you questions about your petition, assets, and liabilities.  In most cases, this court appearance is the only one required, and you will not even see the judge assigned to your case.  As your attorney, our experienced Tucson bankruptcy lawyers will attend your 341 Hearing with you to protect your interests.  We are there for you every step of the way throughout your bankruptcy filing.

Q: Is everyone eligible for bankruptcy?

A: Each type of bankruptcy has its own guidelines that a person must fit in order to file.  It is also meant for those who have no other means to repay their debt.  So it is by nature directed at those with more debt than they have the income to repay.

Q:  Will I ever be able to get a car or home loan again?

A:  Most times, yes.  As long as you stay faithful to your payment schedule and have a good payment history, you may be eligible for a car or home loan after as few as 18 months.  At the My Arizona Lawyers, PLLC, we will advise you of what to expect after bankruptcy.  We will also guide you in the best way to re-build your credit after filing bankruptcy.

Q: How long do I have to wait before the creditor harassment will stop?

A: Our Tucson bankruptcy attorneys can stop creditor harassment Immediately! If you choose to retain our Tucson bankruptcy law firm after your FREE Initial Consultation, we will give you a client record number. You can then refer all those annoying creditor calls to your bankruptcy lawyer from our office.  Feel the freedom as there are no more credit card payments and no more harassment immediately upon retaining My Arizona Lawyers, PLLC.

Q: How will filing bankruptcy affect my spouse?

A: Filing bankruptcy in Tucson, Arizona can be filed by one or both married partners.  If you are considering filing for bankruptcy in Marana, Oro Valley, Tucson or anywhere in Arizona you should contact an experienced bankruptcy attorney.  It is entirely legal for a person to file for bankruptcy in Arizona without his or her spouse.  Our Tucson bankruptcy lawyers can help you decide if filing bankruptcy jointly (with your spouse) or separately would be the more beneficial to you.  We can also help you decide if you should get a divorce before or after filing for bankruptcy protection when divorcing.  Call for a FREE consultation today.

Q: Is all debt dis-chargeable under bankruptcy?

A:  No, there are certain types of debt that cannot be included, such as:

  • student loans
  • taxes
  • child support
  • court ordered liens
  • as well as some others

To find out how this may affect you, contact our Tucson bankruptcy law office for a FREE consultation where one of our bankruptcy lawyers will inform you as to which of your debts are able to be discharged through declaring bankruptcy.

Q: Why would you file chapter 13 bankruptcy?

A:  In many cases the individual attempting to file chapter 7 bankruptcy has too high of an income to qualify for chapter 7 bankruptcy protection.  They can then file chapter 13 which allows them a 3 – 5 year period to pay off overdue obligations.  It also allows them to keep their property.  There are many advantages to filing Chapter 13 bankruptcy in Tucson.  With this in mind, contact our Tucson bankruptcy attorneys, our experienced lawyers will inform you more about the benefits of filing chapter 13 bankruptcy.

Q:  Will I qualify for bankruptcy?

A:  Most people who are under severe financial stress will qualify for some chapter of bankruptcy protection. Our Tucson bankruptcy lawyers can evaluate your personal financial situation and tell you within a short period of time whether you qualify for chapter 7 or chapter 13.

Free consultations with our Tucson bankruptcy attorneys
You can call us at (520) 307-0020  to set up your free bankruptcy consultation and debt evaluation.  Our Tucson AZ bankruptcy lawyers will be more than happy to sit down with you, analyze things, and help you get started towards a new financial life.

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