Best Chapter 13 Bankruptcy Lawyer in Phoenix: Expert Guidance for Financial Relief

Filing for Chapter 13 bankruptcy can provide a path to reorganize your debts and regain control of your finances when facing financial difficulties.

In Phoenix, Arizona, many lawyers specialize in this area of law, offering guidance through the complex process.

Finding the right Chapter 13 bankruptcy attorney in Phoenix can significantly impact the outcome of your case. A skilled lawyer will help you develop a feasible repayment plan, protect your assets, and navigate the legal intricacies of bankruptcy proceedings.

You’ll want to choose an attorney with extensive experience, a strong track record, and a deep understanding of Arizona bankruptcy laws.

1) Ivan & Klein, PLC

A modern office with sleek furniture and a city skyline view

Ivan & Klein, PLC is a prominent bankruptcy law firm in Phoenix, Arizona.

They specialize in Chapter 13 bankruptcy cases, providing expert guidance to individuals seeking debt relief.

The firm’s attorneys have extensive experience in handling complex financial situations.

They work closely with you to develop a tailored repayment plan that fits your unique circumstances.

At Ivan & Klein, you’ll receive personalized attention throughout the bankruptcy process.

Their team takes the time to explain your options and the potential outcomes of filing for Chapter 13 bankruptcy.

The attorneys at Ivan & Klein understand the stress that comes with financial difficulties.

They strive to create a supportive environment where you can feel comfortable discussing your situation.

Their knowledge of Chapter 13 bankruptcy laws in Arizona ensures that you receive accurate advice.

They can help you navigate the complexities of restructuring your debt and creating a manageable repayment plan.

Ivan & Klein’s commitment to client success is evident in their approach.

They work diligently to protect your assets while helping you regain financial stability.

2) Butler Law Office

The exterior of Butler Law Office in Phoenix, with a prominent sign and professional-looking building

Butler Law Office is a reputable bankruptcy firm in Phoenix.

They specialize in Chapter 13 bankruptcy cases and have helped numerous clients navigate the complex process of debt reorganization.

The firm’s attorneys have extensive experience in bankruptcy law.

They can guide you through the intricacies of filing for Chapter 13 bankruptcy and creating a manageable repayment plan.

At Butler Law Office, you’ll receive personalized attention.

The lawyers take time to understand your unique financial situation and develop a tailored strategy to address your debt issues.

The firm offers free initial consultations to discuss your case.

During this meeting, you can learn about your options and determine if Chapter 13 bankruptcy is the right choice for you.

Butler Law Office prides itself on clear communication.

They’ll explain the Chapter 13 process in easy-to-understand terms, keeping you informed at every stage of your case.

The firm’s attorneys are skilled negotiators.

They can work with creditors on your behalf to potentially reduce your debts or secure more favorable repayment terms.

With Butler Law Office, you’ll have an advocate to represent your interests in court.

Their lawyers are well-versed in local bankruptcy procedures and can effectively present your case to the judge.

3) Haines Meyer Hicks PLLC

A Phoenix skyline with a prominent law office building, surrounded by other city buildings and a clear blue sky in the background

Haines Meyer is a respected bankruptcy attorney practicing in Phoenix, Arizona.

His firm, Haines Meyer Hicks PLLC, specializes in Chapter 7 and Chapter 13 bankruptcy cases.

You can find Meyer’s office locations in Gilbert, Peoria, and Phoenix.

This accessibility allows you to choose the most convenient location for your needs.

Meyer’s expertise in bankruptcy law can help you navigate the complex process of Chapter 13 filing.

His experience in debt-related issues enables him to provide tailored advice for your specific financial situation.

When you work with Haines Meyer Hicks PLLC, you benefit from their focus on bankruptcy cases.

This specialization means they are well-versed in the latest bankruptcy laws and procedures.

The firm’s commitment to client success is evident in their approach.

They strive to make the bankruptcy process less stressful for you by offering clear guidance and support throughout.

You can expect personalized attention when working with Meyer and his team.

They understand that each client’s financial circumstances are unique and require individualized strategies.

Haines Meyer Hicks PLLC offers free consultations to discuss your case.

This initial meeting allows you to understand your options without financial obligation.

4) Mushkatel, Robbins & Becker PLLC

A law office with a prominent sign, surrounded by the cityscape of Phoenix

When seeking Chapter 13 bankruptcy assistance in Phoenix, you might consider Mushkatel, Robbins & Becker PLLC.

This law firm offers a team-based approach to legal problem-solving, which can be beneficial for complex bankruptcy cases.

The firm comprises four lawyers and a dedicated staff.

They work together to address your legal concerns efficiently and effectively.

This collaborative method may provide you with comprehensive support throughout your bankruptcy process.

Mushkatel, Robbins & Becker PLLC offers free consultations.

This allows you to discuss your situation without financial commitment, helping you make an informed decision about your legal representation.

The firm’s expertise extends beyond bankruptcy law.

They handle various practice areas, which can be advantageous if your financial situation involves multiple legal aspects.

Located in Sun City, Arizona, the firm serves clients in the Northwest Valley and Phoenix metro region.

This local presence can be valuable when navigating the specific bankruptcy laws and procedures in the area.

One of the firm’s attorneys, Zachary Mushkatel, brings diverse legal expertise to the practice.

His approach emphasizes representing the client’s best interests and skillful persuasion, which can be crucial in bankruptcy proceedings.

5) Phoenix Fresh Start Bankruptcy Attorneys

Phoenix Fresh Start Bankruptcy offers expert legal assistance for individuals considering Chapter 13 bankruptcy.

Their team of experienced attorneys can guide you through the complex process of debt restructuring.

When you choose Phoenix Fresh Start Bankruptcy, you’ll work with professionals who understand the intricacies of Chapter 13 filings.

They can help you create a manageable payment plan that typically lasts 3 to 5 years.

One of the key benefits of working with this firm is their commitment to helping you get back on track financially.

They offer free credit repair services with all bankruptcy cases, which can be invaluable as you rebuild your financial life.

The attorneys at Phoenix Fresh Start Bankruptcy will work with your creditors and the Bankruptcy Trustee to develop a plan that suits your unique situation.

This approach often results in paying only a fraction of your unsecured debts.

Chapter 13 bankruptcy can be an effective tool for addressing both secured and unsecured debts.

The legal team at Phoenix Fresh Start Bankruptcy can explain how this process might help you retain important assets while resolving your debt issues.

By choosing Phoenix Fresh Start Bankruptcy, you’re selecting a firm that prioritizes your financial recovery.

They aim to provide you with a fresh start, helping you navigate the bankruptcy process and emerge with a more stable financial foundation.

6) Wright Law Offices

Wright Law Offices is a prominent bankruptcy law firm in Phoenix, Arizona.

They specialize in Chapter 13 bankruptcy cases, offering expert guidance to individuals facing financial difficulties.

The firm’s founder, Benjamin Wright, is a highly experienced attorney.

He earned his J.D. from the University of Wisconsin Law School and is licensed to practice in Arizona and Wisconsin.

You can find Wright Law Offices in multiple locations across the Phoenix metro area.

They have offices in Phoenix, Scottsdale, and Tempe, making it convenient for clients throughout the region.

When you call Wright Law Offices, you’ll always reach a real person.

This commitment to personal service sets them apart from many other firms.

The attorneys at Wright Law Offices focus exclusively on bankruptcy law.

This specialization allows them to stay current on the latest changes in bankruptcy legislation and handle complex cases effectively.

If you’re struggling with debt, Wright Law Offices can help you explore your options.

They offer services beyond just Chapter 13 bankruptcy, including debt settlements, debt consolidation, and loan modifications.

You can reach out to Wright Law Offices for a consultation to discuss your financial situation.

Their experienced team will work with you to find the best solution for your unique circumstances.

7) Harmon Law Firm

Harmon Law Firm specializes in Chapter 13 bankruptcy cases in Phoenix.

The firm’s experienced attorneys can help you navigate the complex process of debt reorganization.

When you choose Harmon Law Firm, you’ll work with professionals who understand the intricacies of Arizona bankruptcy laws.

They can explain how Chapter 13 bankruptcy might benefit your specific financial situation.

The attorneys at Harmon Law Firm will guide you through creating a repayment plan.

This plan allows you to keep your assets while paying off your debts over a 3 to 5 year period.

You’ll receive personalized attention from the firm’s lawyers.

They will analyze your financial circumstances and help you determine if Chapter 13 is the right choice for you.

Harmon Law Firm can assist you in negotiating with creditors and potentially reducing your overall debt.

They will represent you in court proceedings and ensure all necessary paperwork is filed correctly and on time.

The firm’s attorneys will work to help you avoid foreclosure on your home and repossession of your vehicle.

They can also advise you on how to manage your finances during and after the bankruptcy process.

With Harmon Law Firm, you’ll have experienced legal support throughout your Chapter 13 bankruptcy journey.

Their goal is to help you achieve financial stability and a fresh start.

8) Curiel & Runion, PLC

Curiel & Runion, PLC is a personal injury law firm in Phoenix, Arizona.

They primarily focus on personal injury cases, but they may also handle Chapter 13 bankruptcy cases.

The firm has earned a reputation for providing dedicated legal representation to their clients.

You can expect personalized attention and a commitment to achieving the best possible outcomes for your case.

Curiel & Runion boasts a team of experienced attorneys who are well-versed in various areas of law.

Their expertise may extend to bankruptcy cases, offering you comprehensive legal support during challenging financial times.

The firm’s office is conveniently located at 1221 E Osborn Rd, Suite 201, Phoenix, AZ 85014.

This central location makes it easy for you to access their services.

Client satisfaction appears to be a priority for Curiel & Runion.

They have received positive reviews from many of their clients, which speaks to their dedication and professionalism.

If you’re considering filing for Chapter 13 bankruptcy, you may want to reach out to Curiel & Runion for a consultation.

They offer free consultations, allowing you to discuss your case without any initial financial commitment.

Remember to verify their experience specifically with Chapter 13 bankruptcy cases when you contact them.

This will ensure they have the necessary expertise to handle your particular situation.

9) Denton Peterson Dunn, PLLC

Denton Peterson Dunn, PLLC is a respected law firm in Mesa, Arizona that offers a range of legal services, including bankruptcy representation.

While they are primarily known for business and corporate law, they also handle various litigation matters.

You’ll find that this firm has a team of experienced attorneys who can guide you through complex legal processes.

Their approach is client-focused, prioritizing your success in all legal matters they handle.

The firm has been recognized for its expertise in corporate litigation.

If you’re facing bankruptcy issues alongside business concerns, their diverse skill set could be particularly beneficial.

Denton Peterson Dunn, PLLC has received positive feedback from clients.

They have been praised for their knowledge and professionalism in handling various legal matters.

While Chapter 13 bankruptcy may not be their primary focus, their experience in business law and litigation could be valuable if your bankruptcy case involves business debts or complex financial situations.

You can expect personalized attention from their attorneys.

They aim to provide tailored legal solutions that address your specific needs and circumstances.

The firm’s office is located in Mesa, making it accessible for clients in the greater Phoenix area.

You can reach out to them to discuss your Chapter 13 bankruptcy needs and determine if they’re the right fit for your case.

10) Shipman & Wright, LLP

Shipman & Wright, LLP is a reputable law firm in Phoenix specializing in Chapter 13 bankruptcy cases.

Their experienced attorneys can guide you through the complex process of filing for Chapter 13 bankruptcy.

When you work with Shipman & Wright, you’ll receive personalized attention tailored to your unique financial situation.

Their lawyers take the time to understand your goals and develop a strategy that best fits your needs.

The firm’s attorneys are well-versed in Arizona bankruptcy laws and regulations.

They can help you navigate the intricacies of Chapter 13 bankruptcy, including creating a feasible repayment plan and negotiating with creditors on your behalf.

Shipman & Wright’s team is committed to providing clear communication throughout your case.

You’ll be kept informed at every stage of the process, ensuring you understand your options and can make informed decisions.

The firm offers competitive rates and flexible payment options.

They understand that financial struggles are what bring clients to them, so they strive to make their services accessible.

By choosing Shipman & Wright, you’re partnering with a law firm that prioritizes your financial recovery.

Their goal is to help you achieve a fresh start and regain control of your finances through Chapter 13 bankruptcy.

11) Zolman Law

Zolman Law is a reputable bankruptcy law firm serving Phoenix and the surrounding areas.

They specialize in providing Chapter 13 bankruptcy services to help you regain control of your financial situation.

The firm’s attorneys are experienced in handling complex bankruptcy cases.

They can guide you through the intricacies of Chapter 13 bankruptcy, which allows you to create a repayment plan to manage your debts over time.

Zolman Law offers a unique “Zero Down Bankruptcy” option.

This can be particularly helpful if you’re struggling financially and need immediate assistance with your bankruptcy filing.

The firm’s team includes not only bankruptcy lawyers but also family law attorneys and business lawyers.

This diverse expertise allows them to provide comprehensive legal support for various aspects of your life that may be affected by bankruptcy.

When you work with Zolman Law, you’ll receive personalized attention.

Their attorneys take the time to understand your specific financial situation and goals before recommending the best course of action.

The firm is committed to fighting for your rights and helping you achieve debt relief.

They strive to make the bankruptcy process as smooth and stress-free as possible for their clients.

Zolman Law’s offices are conveniently located in Mesa, Arizona, making them easily accessible to clients in the Phoenix metropolitan area.

You can reach out to them for a consultation to discuss your Chapter 13 bankruptcy options.

12) Michael Malik Law Firm

Michael Malik Law Firm specializes in Chapter 13 bankruptcy cases in Phoenix, Arizona.

Their experienced attorneys understand the complexities of bankruptcy law and can guide you through the process.

The firm offers personalized attention to each client’s unique financial situation.

You’ll receive a thorough assessment of your case and clear explanations of your options.

Michael Malik and his team prioritize open communication.

They ensure you’re informed at every step of your Chapter 13 bankruptcy journey.

This approach helps reduce stress and uncertainty during a challenging time.

The firm’s attorneys have extensive experience in negotiating with creditors.

They work diligently to create a repayment plan that fits your budget and meets legal requirements.

You can expect professional representation in court proceedings.

The Michael Malik Law Firm advocates for your interests and works to protect your assets throughout the bankruptcy process.

The firm offers flexible scheduling options to accommodate your needs.

They understand that financial difficulties can be overwhelming and strive to make the legal process as smooth as possible for you.

With their focus on Chapter 13 bankruptcy, you can trust that you’re working with knowledgeable professionals.

They stay up-to-date on the latest changes in bankruptcy law to provide you with accurate advice.

13) DebtStoppers

DebtStoppers is a bankruptcy law firm that can help you navigate Chapter 13 bankruptcy in Phoenix.

Their team of experienced attorneys specializes in debt relief solutions for individuals and families.

When you work with DebtStoppers, you’ll have a dedicated local bankruptcy attorney guiding you through the process.

They understand the complexities of Chapter 13 bankruptcy and can explain how it applies to your specific financial situation.

DebtStoppers offers free consultations to evaluate your case.

During this meeting, you can discuss your financial concerns and explore potential debt relief options.

Their lawyers will help you determine if Chapter 13 bankruptcy is the right choice for you.

The firm emphasizes personalized service and advocacy.

Your DebtStoppers attorney will fight for your interests throughout the bankruptcy process.

They can help you create a manageable repayment plan and negotiate with creditors on your behalf.

DebtStoppers aims to provide a path to financial freedom for their clients.

They can assist you in stopping foreclosure, eliminating unsecured debts, and restructuring your finances through Chapter 13 bankruptcy.

You can easily schedule an appointment with DebtStoppers online or by phone.

Their team is ready to help you take the first steps towards resolving your debt issues and regaining financial stability.

Overview of Chapter 13 Bankruptcy

Chapter 13 bankruptcy offers a structured repayment plan for individuals with regular income to manage their debts.

It allows you to keep your assets while repaying creditors over 3-5 years.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a court-supervised debt repayment plan.

You propose a plan to pay off your debts over time, usually 3-5 years.

This type of bankruptcy is often called a “wage earner’s plan” because it’s designed for those with regular income.

Under Chapter 13, you can keep your property while catching up on missed payments.

It’s particularly useful if you’re behind on mortgage or car payments.

You’ll make monthly payments to a trustee, who then distributes the funds to your creditors.

Chapter 13 can help you avoid foreclosure and repossession.

It also allows you to restructure certain debts, potentially lowering payments on secured debts like car loans.

Eligibility Requirements

To file for Chapter 13 bankruptcy, you must meet specific criteria.

You need a regular income source to fund your repayment plan.

There are also debt limits – your unsecured debts must be less than $419,275, and secured debts below $1,257,850.

You must be an individual or married couple.

Businesses aren’t eligible for Chapter 13, but self-employed individuals and small business owners can file.

You’ll need to complete credit counseling within 180 days before filing.

Prior bankruptcies may affect your eligibility.

You can’t file if a previous bankruptcy petition was dismissed within the last 180 days under certain circumstances.

You must also be current on tax filings.

Qualities of the Best Chapter 13 Bankruptcy Lawyer

Selecting the right Chapter 13 bankruptcy lawyer is crucial for navigating the complex legal process successfully.

A top-tier attorney possesses key attributes that set them apart and increase your chances of a favorable outcome.

Professional Experience and Expertise

Specialized knowledge in bankruptcy law is essential for a Chapter 13 attorney.

You should look for a lawyer with extensive experience handling Chapter 13 cases specifically.

They should demonstrate a deep understanding of federal bankruptcy laws and local court procedures.

An excellent Chapter 13 lawyer stays updated on the latest legal developments and can apply this knowledge to your unique situation.

They should be able to explain complex legal concepts in terms you can understand, helping you make informed decisions throughout the process.

Consider the lawyer’s track record of successful Chapter 13 filings and plan confirmations.

A proficient attorney will have a high rate of plan completions, as less than 3% of cases filed without a lawyer end in successful plan completion nationwide.

Client Testimonials and Success Rates

When evaluating a Chapter 13 bankruptcy lawyer, pay close attention to client testimonials and reviews.

These can provide valuable insights into the attorney’s communication style, responsiveness, and overall effectiveness.

Look for patterns in feedback that highlight the lawyer’s ability to:

  • Negotiate effectively with creditors
  • Develop realistic and manageable repayment plans
  • Guide clients through the entire bankruptcy process

A reputable Chapter 13 lawyer should be willing to share their success rates, including the percentage of cases that result in successful debt discharge.

High success rates indicate the attorney’s skill in crafting sustainable repayment plans and navigating potential obstacles.

Personal Approach

The best Chapter 13 bankruptcy lawyers take a personalized approach to each case.

They should show genuine interest in your financial situation and goals.

During initial consultations, observe how attentively the lawyer listens to your concerns.

A top-notch attorney will:

  • Ask detailed questions about your financial history
  • Explain various debt relief options, including alternatives to bankruptcy
  • Provide a clear outline of the Chapter 13 process and what to expect

Look for a lawyer who is compassionate yet honest about your situation.

They should be willing to explore all possible solutions to help you keep your property while addressing your debt issues.

Frequently Asked Questions

Filing for Chapter 13 bankruptcy in Phoenix involves several key considerations, including costs, income limits, and finding the right legal representation.

Understanding these aspects can help you navigate the process more effectively.

How much does it cost to file for Chapter 13 bankruptcy in Arizona?

The filing fee for Chapter 13 bankruptcy in Arizona is $313.

This fee is set by federal law and is standard across the country.

You may also need to pay for credit counseling courses and attorney fees, which can vary depending on the complexity of your case.

What is the income limit for Chapter 13 bankruptcy in Arizona?

There is no strict income limit for Chapter 13 bankruptcy in Arizona.

You must have a regular income to qualify.

This income can come from various sources including wages, self-employment, or even government benefits.

Your income needs to be sufficient to cover your proposed repayment plan.

Are there any affordable bankruptcy attorneys in Phoenix?

Yes, several law firms in Phoenix offer affordable Chapter 13 bankruptcy services. Phoenix Fresh Start Bankruptcy Attorneys provide competitive rates and payment plans to help make legal representation accessible.

Can I find free consultation services for debt consolidation in Phoenix?

Many bankruptcy attorneys in Phoenix offer free initial consultations.

During these meetings, you can discuss your financial situation and explore debt consolidation options. Wright Law Offices provides free consultations for potential Chapter 13 clients.

What are the qualifications of leading bankruptcy lawyers in Phoenix?

Leading bankruptcy lawyers in Phoenix typically have extensive experience in Chapter 13 cases, board certifications in bankruptcy law, and positive client reviews.

They should also be licensed to practice in Arizona and have a thorough understanding of local bankruptcy courts and procedures.

What is the process for filing Chapter 13 bankruptcy with a legal professional in Phoenix?

The process begins with a consultation.

During the consultation, you will discuss your financial situation with an attorney.

They will help you gather necessary documents and complete the bankruptcy petition.

After that, your lawyer will file the petition and proposed repayment plan with the court on your behalf.

After filing, you’ll attend a meeting of creditors and potentially a confirmation hearing.

Your attorney will guide you through these steps and help ensure your repayment plan is approved by the court.