Bankruptcy

With locations in Casa Grande and Coolidge, Arizona, Fitzgibbons Law Offices, P.L.C., represent debtors and creditors throughout Pinal and Maricopa counties in consumer bankruptcy proceedings, including Chapter 7 bankruptcies, Chapter 13 bankruptcies, and debt relief.

Bankruptcy laws can be complex, involving both Federal and Arizona State statutes, and there is generally more than one type of bankruptcy for which a debtor can file.  For these reasons, it is important to consult an experienced bankruptcy attorney who can help you choose the right type of bankruptcy for your particular circumstances, allowing you to minimize debts and maximize the assets you can keep. 

Chapter 7

Chapter 7 bankruptcy, or liquidation, is the most common type of bankruptcy.  Chapter 7 allows individuals, families, and businesses to eliminate debts by liquidating their non-exempt assets to repay creditors.  Debts that cannot be paid off from the proceeds of a debtor's liquidated assets are generally discharged.  Although Chapter 7 Bankruptcy might seem like a daunting proposition, in many cases it may prove the best option for a debtor seeking a fresh start. 

• Debtors
  Filing for bankruptcy immediately stops harassment from creditors or the IRS and stays pending debt collection lawsuits.  The bankruptcy proceedings allow a debtor to deal entirely with the court, their attorneys, and possibly a trustee.  In addition, under Federal or Arizona Laws, debtors usually have exempt property such as a homestead with equity of up to $150,000, meaning you may be able to keep more assets than you think.

• Creditors
  Chapter 7 also allows creditors to move on.  Creditors can force debtors into filing for bankruptcy, finally allowing them closure on debt collections.  Our attorneys regularly appear on behalf of creditors in bankruptcy proceedings, helping them obtain the largest debt repayment possible.

Chapter 13

Chapter 13 Bankruptcy, also known as reorganization, allows individual debtors with steady incomes to reorganize debts by working out a plan of repayment with the court and creditors.

• Debtors
  Filing for Chapter 13 can help consumers avoid foreclosures, rework repayment schedules into plans that are more manageable, and decrease overall debt.  Debtors work directly with the court instead of with creditors and the IRS.

• Creditors
  Our attorneys represent creditors in Chapter 13 Bankruptcy proceedings, objecting to unsatisfactory repayment plans and helping even unsecured creditors obtain the greatest repayment possible.

Debt Relief

If you have a growing amount of overwhelming debt, our attorneys can help.  In some cases, you may not need to file for bankruptcy. We offer comprehensive debt relief services, representing clients in debt consolidation, reduction, and repayment and management negotiations with creditors.

Seek Experienced Counsel

If you are facing bankruptcy or mounting debt, contact an experienced attorney for assistance.  Our lawyers can help you choose the right type of bankruptcy for your particular situation, allowing you to obtain a fresh start while minimizing debts and maximizing the assets you keep.  To learn more, contact the Fitzgibbons Law Offices, P.L.C. today.