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How to File for Bankruptcy in Arizona


Knowing how to file for Bankruptcy in Arizona is critical to avoid creating more headaches for you and avoiding unnecessary costs. That’s why we recommend hiring a competent attorney when you’re ready to start filing for Chapter 7 bankruptcy or any other type of bankruptcy. It requires more than just filling out forms to file Chapter 7 bankruptcy. You have to know all the rules and requirements, which can be quite complicated. The same is true for Chapter 13 and Chapter 11 bankruptcy as well. Hiring an attorney like Jeffrey P. Judge will ensure everything is done correctly and minimize the stress you experience.


Whether you file on your own or hire an attorney who knows how to file for Bankruptcy in Arizona, you start by acquiring forms for Chapter 7 bankruptcy, or another type of bankruptcy if appropriate. Get these forms from your attorney or online at http://www.uscourts.gov/bkforms/index.html. There are a lot of forms to complete and it may be difficult to figure out exactly which ones you need and how to complete them. Hiring an experienced bankruptcy attorney like Jeffrey P. Judge ensures that the right forms get completed properly.

 

 

First Steps in How to File for Bankruptcy in Arizona

 

Once you have your forms to file Chapter 7 bankruptcy, or Chapter 13 or 11, start collecting information about your income, expenses, assets and debts. You’ll need to prove where your income comes from, how much you get, and how often you get it. Collect similar information about your expenses, assets and debts. You’ll need more than just numbers. You’ll need official documents to prove these numbers, such as pay stubs, investment earnings statements, bills, collection notices, etc. Your lawyer can help you identify the information you need to collect when you start filing for Chapter 7 bankruptcy.

 

Next, determine if you qualify for filing bankruptcy and which chapter is best for you to file under. Incorrectly determining these things could lead you having your case dismissed, or spending more time filling out forms and paying more money than you need to. This is another reason for hiring a lawyer who knows the ins and outs of how to file for Bankruptcy in Arizona.

 

Another thing you need to do before filing for Chapter 7 bankruptcy, or Chapter 13 in most cases, is get credit counseling. This is mandated by federal bankruptcy law. The bankruptcy court serving your region should have a list of approved credit counseling programs you can attend. Regardless of whether you’re filing for Chapter 7 bankruptcy or one of the other types, you’ll need to develop a debt repayment plan with your credit counseling agency. So make sure you select an agency how knows how to file for Bankruptcy in Arizona.

 

 

Taking forms to the U.S. bankruptcy court

 

Once you’ve completed the forms to file Chapter 7 bankruptcy, or the forms for Chapter 13 or 11 if more appropriate, you or your attorney must electronically file those forms, along with the last sixty days of your paystubs and proof of credit counseling, and pay the fees. You’ll be assigned a trustee who will require additional information and documents.

 

The trustee’s primary job is to collect any non-exempt assets of value, sell them, and distribute the proceeds to creditors. They also conduct a Meeting of Creditors, which is a time that creditors can question you about your case and assets. However, creditors rarely show up, and the trustee simply asks you basic questions about your case and property. An attorney who knows how to file for Bankruptcy in Arizona, would make this process more understandable and less stressful.

 

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Have more questions? Click for a free consultation with Jeffrey P. Judge, or call us at 1-520-745-1500.