CHAPTER 13

Bankruptcy Lawyer in Tucson

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If you’re struggling with financial troubles and are afraid of losing your home, filing for Chapter 13 bankruptcy protection may be the right solution. Jeffrey Judge is a Tucson lawyer who specializes in Arizona Chapter 13 bankruptcy. He and his experienced team at Judge Law Firm will negotiate a debt repayment plan that will put you on the path to financial recovery.

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The decision to file for bankruptcy is a difficult one.

Sometimes no matter how hard you try, you just can’t seem to get ahead of mounting debt. In cases where you’re earning money and are able to repay some or all of your debt, a Chapter 13 bankruptcy can help you catch up and move forward.

  • Protect your home from foreclosure
  • Stop the repossession of property such as vehicles
  • Safeguard co-signers from debt collectors

Filing for Chapter 13 bankruptcy is a complicated process and the right representation matters. Judge Law Firm can help you find relief from your present situation and give you hope for the future through a Chapter 13 bankruptcy filing in Arizona.

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Filing for Chapter 13 Bankruptcy Protection may make it possible to:

  • Negotiate a reasonable debt repayment plan.
  • Stop wage garnishment.
  • End debt collection harassment and other similar creditor actions to collect a debt.
  • Prevent foreclosure on your home and allow you to catch up on missed payments.
  • Avoid repossession of a car or other property, or force the creditor to return repossessed property.
  • Stop seizure of your bank accounts.
  • Restore or prevent termination of utility service.
  • Allow you to challenge the claims of creditors who have committed fraud.
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Chapter 13 Bankruptcy: Explained

In a bankruptcy case under Chapter 13, Judge Law Firm will propose a repayment plan to your creditors through the court where you pay some or all of your debt over a three to five year period. The proposed plan will take your most basic monthly needs into consideration and unlike a Chapter 7 bankruptcy, won’t involve the liquidation of assets such as your home or vehicle(s).

Once your repayment plan is approved, a court-appointed Chapter 13 trustee distributes your payments to your creditors. Once you’ve met the obligations of your plan, most of your debts will be discharged. In the majority of cases, these payment plans do not repay creditors dollar for dollar.

Judge Law Firm is on Your Side

Jeffrey Judge began his law career 25 years ago working for the city public defender’s office. Hundreds of trials later, he went into private practice intending to represent small businesses.

In private practice, I began hearing from hard-working people with debt issues. Their stories were alarming and disheartening— vulnerable people reporting harassing and illegal tactics from creditors. It wasn’t long before I re-focused my practice under a new mission to represent honest debtors who deserve a second chance. Our team is committed to ensuring you understand your rights and have the support you need to secure your future through bankruptcy and beyond.

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Frequently Asked Questions

In a chapter 13 case, you can keep all of your property if your plan meets the requirements of the bankruptcy law. In most cases, you will have to pay the mortgages or liens as you would if you didn’t file bankruptcy.
If you qualify for a Chapter 7 bankruptcy, you will not be required to pay back balances through a repayment plan. However, some of your creditors may have a “security interest” in your home, automobile or other personal property. This means that you gave that creditor a mortgage on the home or put your other property up as collateral for the debt. Bankruptcy does not make these security interests go away. If you don’t make your payments on that debt, the creditor may be able to take and sell the home or the property during or after the bankruptcy case. There are several ways that you can keep collateral or mortgaged property after you file bankruptcy. We can advise you on your options.
Yes! Many people believe they cannot own anything for a period of time after filing for bankruptcy. This is not true. You can keep your exempt property and anything you obtain after the bankruptcy is filed. However, if you receive an inheritance, a property settlement, or life insurance benefits within 180 days after filing for bankruptcy, that money or property may have to be paid to your creditors if the property or money is not exempt.
Most debts can be discharged but not all. Bankruptcy will not normally wipe out:
  1. Child support or Alimony;
  2. Taxes and government fines;
  3. Student loans;
  4. Debts not listed on your bankruptcy petition;
  5. Fraudulent debts;
  6. Debts resulting from “willful and malicious” harm;
  7. Debts related to driving while intoxicated;
  8. Secured debts (home or car loans) on property you plan to keep
In most bankruptcy cases, you only have to go to a “meeting of creditors” to meet with the bankruptcy trustee and any creditor who chooses to come. In most cases, no creditors show up. Generally, the meeting will be a short and simple procedure where you are asked a few questions about your bankruptcy forms and your financial situation. Your attorney will also attend to assist you if there are any complications.
There is no clear answer to this question. Unfortunately, if you are behind on your bills, your credit may already be bad. Bankruptcy will probably not make things any worse. The fact that you’ve filed a bankruptcy can appear on your credit record for ten years. But because bankruptcy wipes out your old debts, you are likely to be in a better position to pay your current bills, and you may be able to get new credit. If you decide to file bankruptcy, remember the debts discharged should be listed on your credit report as having a zero balance, meaning you do not owe anything on that debt.
Utility services--Public utilities, such as the electric company, cannot refuse or cut off service because you have filed for bankruptcy. However, the utility can require a deposit for future service and you do have to pay bills that arise after bankruptcy is filed. Discrimination--An employer or government agency cannot discriminate against you because you have filed for bankruptcy. Driver’s license--If you lost your license solely because you couldn’t pay court-ordered damages caused in an accident, bankruptcy will allow you to get your license back. Co-signers--If someone has co-signed a loan with you and you file for bankruptcy, the co-signer may have to pay your debt. If you file a chapter 13, you may be able to protect co-signers, depending upon the terms of your chapter 13 plan.
Although it may be possible for some people to file a bankruptcy case without an attorney, it is not a step to be taken lightly. The process is difficult and you may lose property or other rights if you do not know the law. It takes patience and careful preparation and Judge Law Firm has the expertise to guide you through the process. Document preparation services also known as “typing services” or “paralegal services” involve non-lawyers who offer to prepare bankruptcy forms for a very low fee. Problems with these services often arise because non-lawyers cannot offer advice on difficult bankruptcy cases and they offer no services once a bankruptcy case has begun. There are also many shady operators in this field who give bad advice and defraud consumers. In life, cheaper often does not mean better. This is particularly true in a complex and technical area of law like bankruptcy.

Bankruptcy Court charges a $281 filing fee for bankruptcy protection under chapter 13, whether single or married. The attorney fees for a typical chapter 13 case start at $4500 but can go higher depending on the complexity of the case. In most chapter 13 cases, the total cost is $4,781 for both attorney fees and court costs. When it comes to filing for Chapter 13 bankruptcy, it’s important to select a Tucson bankruptcy lawyer who takes the time to understand your situation and guide you through a complex process. Judge Law Firm has the proven experience to secure your future through bankruptcy and beyond. Reach out and book your consultation today.

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Judge Law Firm is on your side.

Schedule your meeting today.

Are your debts a temporary setback or a roadblock to your family’s future? To learn more about how we can help, call 520-745-1500 right now, or fill out the form below.

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