Facing financial difficulties can be overwhelming, and navigating the complex world of bankruptcy law can add to your stress.
When you’re in need of legal assistance for bankruptcy matters in Phoenix, Arizona, finding the right attorney is crucial to achieving the best possible outcome for your situation.
Michael A. Jones is widely recognized as one of the top bankruptcy lawyers in Phoenix, with extensive experience and a track record of success in helping clients through challenging financial times. His expertise in bankruptcy and creditor-debtor rights has earned him numerous accolades, including recognition from The Best Lawyers in America and Super Lawyers.
By choosing a highly skilled attorney like Mr. Jones, you can ensure that your case is handled with the utmost professionalism and attention to detail.
1) Michael Gerity
Michael Gerity is a highly respected bankruptcy attorney in Phoenix, Arizona.
As a founding partner of Israel & Gerity, PLLC, he brings extensive experience and expertise to his practice.
You’ll find that Mr. Gerity’s educational background is impressive.
He graduated from Arizona State University’s College of Law, where he served as an Associate Note and Comment Editor for the Arizona State Law Journal.
During his time in law school, Mr. Gerity received honors in legal research and writing.
He was also awarded Best Appellate Brief, showcasing his exceptional skills in legal argumentation.
Prior to his legal education, Mr. Gerity earned a Bachelor of Science degree from Colorado State University in 1990.
This diverse educational background provides him with a well-rounded perspective on various legal matters.
Mr. Gerity’s expertise extends beyond bankruptcy law.
He has taught classes and given presentations on a wide range of legal topics, demonstrating his commitment to educating others in the field.
When you work with Mr. Gerity, you’ll benefit from his dedication to client satisfaction.
He has been recognized by the American Institute of Legal Counsel as one of the 10 Best in Arizona for client satisfaction in the Litigation, Lawsuits & Disputes Division.
Mr. Gerity’s law firm offers a unique 0-down bankruptcy program, making legal assistance more accessible to those in financial distress.
You can contact Israel & Gerity, PLLC to learn more about this program and explore your options for debt relief.
2) Leonard V. Sominsky
Leonard V. Sominsky is a highly experienced bankruptcy attorney in Phoenix, Arizona.
Since 2000, he has been helping individuals and families find solutions to their debt problems.
You can benefit from Sominsky’s extensive knowledge of bankruptcy law.
He focuses solely on bankruptcy cases, allowing him to maintain an in-depth understanding of all relevant laws and procedures.
When you work with Sominsky, you’ll receive personalized attention and guidance throughout the bankruptcy process.
He takes the time to understand your unique financial situation and develops a tailored strategy to help you achieve a fresh start.
Sominsky has successfully handled over 1,500 bankruptcy cases in Arizona.
His track record demonstrates his ability to navigate complex financial situations and achieve positive outcomes for his clients.
You can expect professional and affordable legal representation when you choose Sominsky as your bankruptcy attorney.
He offers free consultations to discuss your case and explore your options.
With Sominsky’s expertise, you can confidently address your financial challenges and work towards a debt-free future.
His commitment to client success and deep understanding of bankruptcy law make him a top choice for those seeking debt relief in Phoenix.
3) Joseph W. Charles
Joseph W. Charles is an experienced attorney based in Glendale, Arizona.
With over 50 years of legal practice, he has established himself as a knowledgeable professional in various areas of law, including bankruptcy.
As the president of Joseph W. Charles, P.C., he offers personalized legal services to clients facing financial difficulties.
You can trust his extensive experience to guide you through the complex bankruptcy process.
Mr. Charles’s practice extends beyond bankruptcy law.
He also handles cases related to family law, juvenile law, and elder law.
This diverse background allows him to provide comprehensive legal advice tailored to your unique situation.
Throughout his career, Joseph W. Charles has demonstrated a commitment to client advocacy.
He has participated in numerous jury trials, showcasing his litigation skills and dedication to protecting his clients’ interests.
When seeking bankruptcy assistance in the Phoenix area, you may find Mr. Charles’s expertise valuable.
His long-standing career and wide-ranging legal knowledge can be assets in navigating your financial challenges.
It’s worth noting that Mr. Charles has faced disciplinary action in the past.
However, he was reinstated to active practice by the Arizona Supreme Court in 2015, demonstrating his commitment to professional growth and ethical conduct.
4) David J. Smith
David J. Smith is a respected bankruptcy attorney in Phoenix, Arizona.
His practice focuses on helping clients navigate complex financial situations and find relief from overwhelming debt.
With years of experience in bankruptcy law, David Smith has developed a deep understanding of the legal processes involved.
You can trust his expertise to guide you through Chapter 7, Chapter 13, or Chapter 11 bankruptcy filings.
David Smith’s approach is client-centered, ensuring that you receive personalized attention throughout your case.
He takes the time to listen to your concerns and explain your options in clear, understandable terms.
When you work with David Smith, you benefit from his comprehensive knowledge of Arizona bankruptcy laws.
He can help you protect your assets and achieve a fresh financial start.
David Smith’s office is conveniently located in Phoenix, making it easy for you to schedule consultations and meetings.
His team is dedicated to providing prompt, professional service to all clients.
If you’re considering bankruptcy, David Smith can help you understand the potential impact on your credit, property, and future financial stability.
He’ll work diligently to find the best solution for your unique situation.
5) Diane L. Drain
Diane L. Drain is a prominent Phoenix bankruptcy attorney with extensive experience in helping clients navigate complex financial situations.
Her law office specializes in providing innovative and client-focused legal services for individuals and small businesses seeking debt relief.
You’ll find that Diane’s approach to bankruptcy cases is rooted in respect and understanding.
She recognizes the complications that arise in Arizona bankruptcy proceedings and treats each case with the attention it deserves.
When you work with Diane, you’re partnering with a professional who prioritizes your needs.
She strives to provide straightforward guidance, helping you avoid potential pitfalls that can occur when dealing with inexperienced or mass-advertising attorneys.
Diane’s expertise extends beyond basic bankruptcy filings.
She can assist you in protecting important assets such as tax refunds, vehicles, and inheritances that might otherwise be at risk during bankruptcy proceedings.
Clients appreciate Diane’s dedication to her work.
Her commitment to helping people through difficult financial times has earned her recognition as a top Phoenix bankruptcy attorney.
If you’re feeling overwhelmed by debt, Diane offers free consultations to discuss your options.
Her goal is to provide you with the information and support you need to make informed decisions about your financial future.
With Diane L. Drain as your bankruptcy lawyer, you can expect professional, client-focused service tailored to your unique situation.
Her extensive knowledge and experience in Arizona bankruptcy law make her a valuable ally in your journey towards financial stability.
6) Larry Karandreas
Larry Karandreas is a highly respected bankruptcy attorney in Phoenix, Arizona.
His law office specializes in Chapter 13 and Chapter 7 bankruptcy cases, as well as commercial real estate matters.
With his practice founded in 2001, Larry has dedicated his career to helping debtors resolve their financial problems.
He provides personalized, one-on-one attention to each client, ensuring you receive tailored advice for your unique situation.
Larry’s expertise in Chapter 13 bankruptcy is particularly noteworthy.
His clients have an impressive 80% completion rate for Chapter 13 plans, significantly surpassing the national average of 43% as of 2019.
You can find Larry’s office at 11024 North 28th Drive, Suite 200, in Phoenix.
His commitment to excellence has earned him recognition from peers and clients alike.
The Phoenix Chapter 13 Trustee has awarded him the Recognition of Excellence Award.
When you work with Larry, you’ll benefit from his extensive experience and dedication to achieving positive outcomes for his clients.
He is known for being a skilled negotiator who staunchly advocates for your interests throughout the bankruptcy process.
If you’re facing complex financial challenges, Larry Karandreas can provide the expert guidance you need.
His approach combines legal expertise with a genuine care for his clients’ well-being, making him a top choice for bankruptcy representation in Phoenix.
7) Kevin Jensen
Kevin Jensen is a seasoned attorney with extensive experience in bankruptcy law.
He operates his own practice, Law Offices of Kevin Jensen, PLLC, where he has been serving clients for nearly two decades.
You’ll find that Jensen’s expertise extends beyond bankruptcy.
His practice encompasses personal injury, family law, and civil litigation matters as well.
This diverse background allows him to approach your bankruptcy case with a comprehensive understanding of various legal areas.
Jensen’s career path includes valuable experience in complex insurance litigation.
Before starting his own firm in 2006, he handled cases involving insurance coverage, medical malpractice, and liability litigation.
When you work with Kevin Jensen, you’re partnering with an attorney who has successfully navigated numerous bankruptcy cases.
His focus is on helping individuals through challenging financial situations.
Clients appreciate Jensen’s ability to handle complicated legal matters.
In one instance, a business owner sought his help during a complex divorce.
Jensen’s knowledge of business operations proved crucial in protecting the client’s business interests throughout the divorce proceedings.
If you’re facing bankruptcy and concerned about retaining important assets, Jensen can help.
He strives to help clients keep properties such as vehicles, homes, and retirement accounts within the limits permitted by law.
8) Allen Barnes
Allen Barnes is a prominent bankruptcy attorney in Phoenix, Arizona.
He is a co-founder of Allen Barnes & Jones, PLC, a highly respected law firm specializing in bankruptcy and creditor debtor rights.
As a Certified Specialist in Bankruptcy Law by the Arizona Board of Legal Specialization, you can trust Allen’s expertise in this complex field.
His skills and knowledge have earned him recognition from prestigious legal organizations.
The Best Lawyers in America® has selected Allen for inclusion since 2010.
This honor reflects his peers’ high regard for his professional abilities and ethical standards.
Allen’s firm has received top rankings in bankruptcy law.
It has been named a Tier 1 firm in Metropolitan Phoenix for Bankruptcy and Creditor Debtor Rights by Best Lawyers® “Best Law Firms” in 2024.
When you work with Allen, you benefit from his years of experience in bankruptcy cases.
He offers skilled advocacy on behalf of his clients, helping them navigate financial challenges with confidence.
Allen’s office is conveniently located in central Phoenix.
From there, he serves clients throughout Arizona, providing responsive and effective legal representation in bankruptcy matters.
If you’re facing financial difficulties or considering bankruptcy, Allen Barnes can offer the guidance and support you need.
His expertise and dedication to client service make him one of the best bankruptcy lawyers in Phoenix.
9) Ben Wright
Ben Wright is a prominent bankruptcy attorney in Phoenix, Arizona. Wright Law Offices specializes in helping clients navigate complex financial situations.
You’ll find that Ben Wright is licensed to practice law in Arizona and Wisconsin.
He’s also admitted to practice in the U.S. District Court of Arizona, expanding his ability to represent clients effectively.
Wright’s expertise covers various types of bankruptcy, including Chapter 7, Chapter 13, and Chapter 11 Business Bankruptcy.
This range allows him to assist both individuals and businesses facing financial difficulties.
When you work with Ben Wright, you’re partnering with a lawyer who earned his J.D. from the University of Wisconsin Law School.
This educational background has provided him with a solid foundation in bankruptcy law.
Recognition for Wright’s work includes an AV Preeminent Rating from Martindale-Hubbell.
This rating reflects high levels of professional excellence and ethical standards.
If you’re seeking bankruptcy representation in Phoenix, you’ll find that Ben Wright offers both phone and email consultations.
This flexibility makes it easier for you to discuss your case and explore your options.
Wright’s practice areas extend beyond bankruptcy to include debt settlement.
This additional expertise can provide you with alternative solutions to your financial challenges when appropriate.
10) Mark Andersen
Mark Andersen is the managing partner of ANDERSEN PLLC, a law firm he established in December 2013.
While primarily focusing on estate planning and probate, his expertise extends to various legal areas that may be relevant to your financial situation.
Located in Scottsdale, Arizona, Mark’s firm aims to serve families and provide support during challenging times, such as the death of a loved one or periods of transition.
His practice also focuses on improving the quality of life for those who can no longer provide for their own needs.
You’ll find that Mark’s approach to legal services aligns with his vision of creating order in estate plans and observing clients’ intentions.
This dedication to preserving wealth and legacy can be particularly beneficial if you’re facing financial difficulties.
Although bankruptcy may not be his primary focus, Mark’s experience in estate planning and probate law could offer valuable insights into managing your assets and debts.
His background in creating comprehensive legal strategies may prove useful in exploring alternatives to bankruptcy or in structuring your financial affairs.
If you’re considering bankruptcy options in Phoenix, it’s worth noting that Mark’s office is in nearby Scottsdale.
You may want to reach out to discuss how his expertise in estate matters could potentially intersect with your current financial challenges.
Understanding Bankruptcy Law
Bankruptcy law provides relief for individuals and businesses struggling with debt.
It offers a fresh financial start through various options and legal protections.
Types of Bankruptcy
Chapter 7 bankruptcy, often called “liquidation bankruptcy,” allows you to discharge most unsecured debts.
It’s typically suitable if you have little to no disposable income.
Chapter 13 bankruptcy, known as “reorganization bankruptcy,” enables you to create a repayment plan to pay off debts over 3-5 years.
This option helps if you have a regular income and want to keep certain assets.
Chapter 11 bankruptcy is primarily for businesses but can be used by individuals with substantial debts.
It allows for debt restructuring while continuing operations.
Bankruptcy Eligibility Requirements
To file for Chapter 7, you must pass a means test.
This evaluates your income, expenses, and family size to determine eligibility.
If your income is below the state median, you automatically qualify.
For Chapter 13, you need a regular income and unsecured debts below $419,275 and secured debts below $1,257,850 (as of 2024).
You must also be current on tax filings.
All filers must complete credit counseling from an approved provider within 180 days before filing.
You’ll also need to provide detailed financial records, including income, expenses, assets, and debts.
Finding the Best Bankruptcy Lawyer in Phoenix
Selecting the right bankruptcy attorney in Phoenix requires careful consideration of their qualifications and client feedback.
A skilled lawyer can guide you through the complex process and protect your interests.
Qualifications and Credentials
When searching for a top-rated bankruptcy lawyer in Phoenix, look for attorneys with extensive experience in bankruptcy law.
Check their educational background and ensure they are licensed to practice in Arizona.
Many reputable lawyers have additional certifications or specializations in bankruptcy law.
Consider attorneys who are members of professional organizations like the National Association of Consumer Bankruptcy Attorneys.
These affiliations often indicate a commitment to staying current with bankruptcy laws and procedures.
Look for lawyers who offer free initial consultations.
This allows you to discuss your case and assess their expertise without financial obligation.
Pay attention to how well they explain complex legal concepts in terms you can understand.
Client Testimonials and Reviews
Reading client reviews and testimonials is crucial in evaluating a bankruptcy lawyer’s reputation and service quality.
Look for feedback on platforms like Avvo, which provides ratings and reviews from past clients.
Pay attention to comments about the lawyer’s communication skills, responsiveness, and ability to achieve favorable outcomes.
Positive reviews often mention attorneys who are compassionate, thorough, and effective in navigating the bankruptcy process.
Be wary of lawyers with consistently negative feedback or complaints about unethical practices.
A pattern of dissatisfied clients may be a red flag.
Consider reaching out to past clients if possible to get more detailed insights into their experiences.
Preparing for Your Consultation
Being well-prepared for your initial consultation with a bankruptcy lawyer can significantly impact the outcome of your case.
Gathering essential documents and formulating key questions beforehand will help you make the most of your meeting.
Documents to Bring
When meeting with a bankruptcy attorney in Phoenix, bring the following documents:
- Recent pay stubs or income statements
- Bank statements from the past 6 months
- Tax returns for the last 2 years
- List of all debts and creditors
- Mortgage or rent documents
- Vehicle loan information
- Recent credit card statements
Also include any legal documents related to lawsuits, judgments, or garnishments.
Bring a list of your monthly expenses and a summary of your assets.
Having these documents ready will help your lawyer assess your financial situation accurately.
Key Questions to Ask
Prepare a list of questions to ask during your consultation:
- Which type of bankruptcy is most suitable for my situation?
- How long will the bankruptcy process take?
- What debts can be discharged through bankruptcy?
- Will I lose any assets if I file for bankruptcy?
- How will bankruptcy affect my credit score?
- What are the fees associated with filing for bankruptcy?
- Are there alternatives to bankruptcy that might work for me?
Don’t hesitate to ask about the lawyer’s experience with cases similar to yours.
Inquire about potential challenges in your case and strategies to address them.
Understanding the bankruptcy process and its implications will help you make informed decisions about your financial future.
Frequently Asked Questions
Selecting the right bankruptcy attorney in Phoenix requires careful consideration of several key factors.
Understanding the qualifications, evaluation process, fees, timelines, and types of bankruptcy can help you make an informed decision.
What are the qualifications for a good bankruptcy attorney in Phoenix?
A qualified bankruptcy attorney in Phoenix should have extensive experience in bankruptcy law and be licensed to practice in Arizona.
Look for lawyers like Michael Gerity who are members of professional organizations and have a track record of successful cases.
How can I evaluate different bankruptcy lawyers in my area?
You can evaluate bankruptcy lawyers by reviewing their credentials, reading client testimonials, and scheduling consultations.
Many attorneys, such as Leonard V. Sominsky, offer free initial consultations to discuss your case.
What is the typical fee structure for bankruptcy representation in Phoenix?
Bankruptcy attorney fees in Phoenix vary depending on the complexity of your case.
Some lawyers offer flat-rate packages, while others charge hourly. Joseph W. Charles and other reputable attorneys often provide transparent fee structures during your initial consultation.
How long does the bankruptcy process usually take in Arizona?
The duration of a bankruptcy case in Arizona can range from a few months to several years.
Chapter 7 bankruptcies typically resolve more quickly than Chapter 13 cases. David J. Smith can provide more specific timelines based on your individual circumstances.
Can I find pro bono bankruptcy legal services in Phoenix?
Pro bono bankruptcy services are available in Phoenix, but they are limited and usually reserved for those with extreme financial hardship.
Contact local legal aid organizations or the Arizona State Bar for information on free or low-cost bankruptcy assistance.
What are the differences between Chapter 7 and Chapter 13 bankruptcies?
In Chapter 7 bankruptcy, you liquidate assets to pay off debts.
In Chapter 13, you focus on debt reorganization. Diane L. Drain can help you determine which type of bankruptcy is most appropriate for your financial situation.