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Best Phoenix, Arizona Bankruptcy Lawyers

Bankruptcy can be an overwhelming experience, but having the right lawyer by your side can make all the difference. In Phoenix, Arizona, there are numerous highly qualified bankruptcy lawyers who can help you navigate the complexities of bankruptcy law. This article will guide you through the process of finding the best bankruptcy lawyers in Phoenix, highlighting their credentials, reviews, and contact information.

What to Look for in a Bankruptcy Lawyer

Choosing the right bankruptcy lawyer involves more than just picking a name from a list. Here are some crucial factors to consider:

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Experience and Specialization

When searching for a bankruptcy lawyer, it’s essential to find someone with significant experience in bankruptcy law. Experienced lawyers are more likely to understand the intricacies of the legal system and can provide you with the best possible advice. Look for lawyers who specialize in bankruptcy cases, as they will have a deeper understanding of the specific laws and regulations that apply.

  • Experience: Years of practice in bankruptcy law.
  • Specialization: Focus on bankruptcy cases, including Chapter 7, Chapter 11, and Chapter 13 bankruptcies.

Client Reviews and Testimonials

Client reviews can provide valuable insights into a lawyer’s reputation and the quality of their services. Positive reviews and testimonials from previous clients can give you confidence in your choice. Websites like Yelp are excellent resources for finding honest feedback from clients.

Top Phoenix Bankruptcy Lawyers on Yelp:

  1. The Frutkin Law Firm, PLC
    • Reviews: “Extremely knowledgeable and supportive throughout the process.”
    • Contact: (602) 606-9300, Website
    • Address: 15205 N. Kierland Blvd., Suite 200, Scottsdale, AZ 85254
  2. My AZ Lawyers
    • Reviews: “Professional, courteous, and effective. Highly recommend!”
    • Contact: (480) 833-8000, Website
    • Address: 1731 W Baseline Rd #101, Mesa, AZ 85202

Credentials and Accreditations

Verify that the lawyer you’re considering has the proper credentials and accreditations. Membership in professional organizations, such as the National Association of Consumer Bankruptcy Attorneys (NACBA), can be an indicator of their commitment to staying updated on bankruptcy law.

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  • Credentials: Law degree, bar membership.
  • Accreditations: Membership in professional organizations like NACBA.

Personalized Attention and Communication

Your lawyer should be someone who gives you personalized attention and communicates clearly. It’s essential to feel comfortable with your lawyer, as you will need to share sensitive financial information. A lawyer who listens and provides clear explanations can help alleviate some of the stress associated with bankruptcy.

  • Personalized Attention: Willingness to listen and understand your unique situation.
  • Communication: Clear and frequent updates about your case.
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Fees and Payment Plans

Understand the lawyer’s fee structure and whether they offer payment plans. Bankruptcy can be a costly process, so it’s crucial to find a lawyer whose fees are transparent and reasonable. Some lawyers may offer flexible payment options to accommodate your financial situation.

  • Fees: Transparent and reasonable.
  • Payment Plans: Availability of flexible payment options.

Credentials to Look for in a Bankruptcy Lawyer

Ensuring that your bankruptcy lawyer has the right credentials is paramount. Here are some key credentials to consider:

Education and Bar Membership

A qualified bankruptcy lawyer should have a law degree from an accredited law school and be a member in good standing of the state bar association. This ensures they have the necessary education and are authorized to practice law in your state.

  • Education: Law degree from an accredited institution.
  • Bar Membership: Member in good standing of the state bar association.

Professional Experience

Experience in handling bankruptcy cases is crucial. Lawyers who have successfully managed numerous bankruptcy cases will have the practical knowledge necessary to navigate your case effectively.

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  • Experience: Significant practice in bankruptcy law.
  • Track Record: Successful management of previous bankruptcy cases.

Continuing Legal Education (CLE)

Bankruptcy laws can change, so it’s essential that your lawyer participates in continuing legal education to stay updated. Participation in CLE programs demonstrates a commitment to maintaining current knowledge in their field.

  • CLE Participation: Ongoing education in bankruptcy law.
  • Commitment: Dedication to staying updated on legal changes.

Professional Associations

Membership in professional organizations, such as the American Bankruptcy Institute (ABI) or the National Association of Consumer Bankruptcy Attorneys (NACBA), indicates a lawyer’s dedication to their field. These organizations provide valuable resources and networking opportunities for lawyers.

  • Professional Associations: Membership in organizations like ABI or NACBA.
  • Resources and Networking: Access to valuable resources and professional networks.

Peer Reviews and Ratings

Peer reviews and ratings from other lawyers can provide additional insights into a lawyer’s reputation and competence. Websites like Avvo offer ratings and reviews from both clients and peers, helping you make an informed decision.

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  • Peer Reviews: Ratings and feedback from other lawyers.
  • Reputation: Recognition and respect within the legal community.

Ethical Standards

Ensure that the lawyer adheres to high ethical standards. Check for any disciplinary actions or complaints filed against them with the state bar association. A lawyer with a clean disciplinary record is more likely to provide ethical and trustworthy service.

  • Ethical Standards: Adherence to high ethical practices.
  • Disciplinary Record: Clean record with no complaints or actions.

Detailed Reviews of Top Phoenix Bankruptcy Lawyers

In this section, we will delve into the detailed reviews of some of the top bankruptcy lawyers in Phoenix, Arizona. These reviews are based on client feedback from Yelp and other reputable sources.

The Frutkin Law Firm, PLC

Overview: The Frutkin Law Firm, PLC, is renowned for its expertise in bankruptcy law. With a team of experienced lawyers, they provide personalized attention and comprehensive legal services.

Client Reviews:

  • Review 1: “The team at Frutkin Law Firm was incredibly supportive throughout my bankruptcy process. They were always available to answer my questions and provided clear guidance every step of the way.”
  • Review 2: “I highly recommend The Frutkin Law Firm. They made a difficult time much more manageable and were very professional.”
  • Review 3: “Excellent service and knowledgeable lawyers. They handled my case with care and efficiency.”
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Contact Information:

  • Phone: (602) 606-9300
  • Website: Frutkin Law Firm
  • Address: 15205 N. Kierland Blvd., Suite 200, Scottsdale, AZ 85254

Table of Contact Information:

Law Firm Phone Website Address
The Frutkin Law Firm, PLC (602) 606-9300 Frutkin Law Firm 15205 N. Kierland Blvd., Suite 200, Scottsdale, AZ 85254

My AZ Lawyers

Overview: My AZ Lawyers is a well-respected firm in Phoenix, known for its dedication to helping clients through bankruptcy. They offer a range of legal services with a focus on providing personalized attention.

Client Reviews:

  • Review 1: “My AZ Lawyers were professional and courteous. They explained everything in detail and were very supportive.”
  • Review 2: “The team at My AZ Lawyers made the bankruptcy process smooth and stress-free. I highly recommend their services.”
  • Review 3: “Great experience with My AZ Lawyers. They were knowledgeable and handled my case efficiently.”

Contact Information:

  • Phone: (480) 833-8000
  • Website: My AZ Lawyers
  • Address: 1731 W Baseline Rd #101, Mesa, AZ 85202

Table of Contact Information:

Law Firm Phone Website Address
My AZ Lawyers (480) 833-8000 My AZ Lawyers 1731 W Baseline Rd #101, Mesa, AZ 85202

Davis Miles McGuire Gardner, PLLC

Overview: Davis Miles McGuire Gardner, PLLC, is a leading bankruptcy law firm in Phoenix. They are known for their comprehensive legal services and commitment to client satisfaction.

Client Reviews:

  • Review 1: “Davis Miles McGuire Gardner provided exceptional service. They were thorough, professional, and always available to answer my questions.”
  • Review 2: “I was very pleased with the level of service and attention I received from Davis Miles McGuire Gardner. They made the process much easier to handle.”
  • Review 3: “Highly recommend this firm. Their expertise and dedication were evident from the first consultation.”

Contact Information:

Table of Contact Information:

Law Firm Phone Website Address
Davis Miles McGuire Gardner (480) 733-6800 Davis Miles McGuire Gardner 40 E Rio Salado Pkwy #425, Tempe, AZ 85281

Understanding the Bankruptcy Process

Filing for bankruptcy can be a complex and daunting process. Here’s a detailed overview to help you understand the steps involved and what to expect.

Initial Consultation

The first step in the bankruptcy process is the initial consultation with a bankruptcy lawyer. During this meeting, you will discuss your financial situation, debts, and goals. The lawyer will explain the different types of bankruptcy and recommend the best course of action for your situation.

  • Discussion: Financial situation and goals.
  • Explanation: Different types of bankruptcy (Chapter 7, Chapter 11, Chapter 13).
  • Recommendation: Best course of action based on your situation.

Filing the Petition

Once you decide to proceed with bankruptcy, your lawyer will help you prepare and file the bankruptcy petition. This document includes detailed information about your finances, assets, debts, income, and expenses. Filing the petition initiates an automatic stay, which stops most collection actions against you.

  • Preparation: Gathering financial information.
  • Filing: Submitting the bankruptcy petition.
  • Automatic Stay: Halts most collection actions.

Credit Counseling and Debtor Education

Before your bankruptcy can be discharged, you are required to complete credit counseling and debtor education courses. These courses are designed to help you understand your finances and avoid future financial problems.

  • Credit Counseling: Required course before filing.
  • Debtor Education: Course after filing.
  • Completion: Necessary for bankruptcy discharge.
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Meeting of Creditors

About a month after filing, you will attend a meeting of creditors (also known as a 341 meeting). During this meeting, the bankruptcy trustee and your creditors can ask you questions about your financial situation and the information in your petition.

  • Meeting: 341 meeting with creditors.
  • Questions: From the trustee and creditors.
  • Verification: Confirming the accuracy of your petition.

Reaffirmation Agreements and Discharge

In some cases, you may choose to reaffirm certain debts, meaning you agree to continue paying them despite the bankruptcy. Once all requirements are met, the court will issue a discharge order, releasing you from liability for most of your debts.

  • Reaffirmation: Agreeing to pay certain debts.
  • Discharge Order: Release from most debts.
  • Finalization: Completion of the bankruptcy process.

Post-Bankruptcy Life

After your bankruptcy is discharged, it’s essential to rebuild your credit and financial stability. This involves creating a budget, monitoring your credit report, and practicing responsible financial habits.

  • Rebuilding Credit: Steps to improve your credit score.
  • Financial Stability: Creating and following a budget.
  • Responsible Habits: Avoiding future financial issues.

Common Questions About Bankruptcy

Bankruptcy can be confusing, and it’s natural to have many questions. Here are some of the most common questions and their answers.

What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 and Chapter 13 are the two most common types of bankruptcy for individuals. Chapter 7 involves liquidating non-exempt assets to pay off debts, while Chapter 13 involves creating a repayment plan to pay off debts over three to five years.

  • Chapter 7: Liquidation of non-exempt assets.
  • Chapter 13: Repayment plan over three to five years.
  • Eligibility: Different requirements for each type.

Will Bankruptcy Stop Collection Calls and Lawsuits?

Yes, filing for bankruptcy initiates an automatic stay, which stops most collection actions, including calls, letters, and lawsuits. However, some actions, like child support collections, may continue.

  • Automatic Stay: Stops most collection actions.
  • Exceptions: Certain actions, like child support, may continue.
  • Protection: Relief from creditor harassment.

Can I Keep My House and Car in Bankruptcy?

Whether you can keep your house and car depends on the type of bankruptcy you file and the value of your assets. In Chapter 7, you may be able to exempt certain assets, while in Chapter 13, you can include your mortgage and car payments in your repayment plan.

  • Chapter 7: Exemptions for certain assets.
  • Chapter 13: Repayment plan includes mortgage and car payments.
  • Asset Retention: Depends on bankruptcy type and asset value.

How Long Does Bankruptcy Stay on My Credit Report?

A Chapter 7 bankruptcy remains on your credit report for ten years from the filing date, while a Chapter 13 bankruptcy stays for seven years. However, you can start rebuilding your credit immediately after your bankruptcy is discharged.

  • Chapter 7: Stays on credit report for ten years.
  • Chapter 13: Stays on credit report for seven years.
  • Rebuilding Credit: Start immediately after discharge.

Can All Debts Be Discharged in Bankruptcy?

Not all debts can be discharged in bankruptcy. Common non-dischargeable debts include student loans, child support, alimony, and certain taxes. Your lawyer can help you understand which debts will be discharged.

  • Non-Dischargeable Debts: Student loans, child support, alimony, certain taxes.
  • Dischargeable Debts: Most other unsecured debts.
  • Understanding Discharge: Lawyer’s guidance on dischargeable debts.

What Are the Long-Term Effects of Bankruptcy?

Bankruptcy can have long-term effects on your credit and financial situation. While it provides immediate relief from debt, it can make it more challenging to obtain credit in the future. However, with responsible financial management, you can rebuild your credit over time.

  • Credit Impact: Immediate relief but long-term credit challenges.
  • Future Credit: More challenging to obtain initially.
  • Financial Management: Importance of responsible habits.

Conclusion

Finding the best bankruptcy lawyer in Phoenix, Arizona, involves careful consideration of their experience, credentials, and client reviews. By understanding what to look for and the process involved, you can make an informed decision and navigate the complexities of bankruptcy with confidence. This comprehensive guide provides valuable insights into the top bankruptcy lawyers in Phoenix, their services, and what you can expect throughout the bankruptcy process. Whether you’re facing overwhelming debt or seeking a fresh start, these legal experts can provide the support and guidance you need.

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