Jeffrey Judge is the Tucson bankruptcy lawyer who can guide you through filing for Chapter 7 bankruptcy. If you qualify for a Chapter 7 bankruptcy in Arizona, the compassionate team at Judge Law Firm will work with you to make sense of a complicated process and ensure a successful filing so you can move forward.
Tucson Bankruptcy Lawyer
We understand that filing for bankruptcy is often your last resort.
Are you overwhelmed with debt because of
- mounting medical bills?
- rising interest rates on your mortgage payments?
- financial struggles due to divorce?
- unfortunate life circumstances?
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 7 bankruptcy filing in Arizona.
Filing for Chapter 7 Bankruptcy Protection may make it possible to:
- End your legal obligation to pay most or all of your debts.
- 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.
Chapter 7 Bankruptcy: Explained
In a bankruptcy case under Chapter 7, you file a petition asking the court to discharge your unsecured debts such as medical bills or credit card bills. Also known as a Fresh Start or Straight Bankruptcy, the basic idea is to wipe out (discharge) your debts in exchange for giving up property, except for “exempt” property which the laws allows you to keep. In many cases, all of your property will be protected. But the non-exempt (unprotected) property can be sold, with the money distributed to creditors.
Qualifying for Chapter 7 Bankruptcy Protection
In order to qualify to file for a Chapter 7 Bankruptcy, you must:
The Means Tests
In order to qualify for a chapter 7 bankruptcy you must pass an income test. If your income falls below the Arizona average income based on your household size (see chart below), you can file a simpler chapter 7 case.
ARIZONA MEDIAN INCOME BY HOUSEHOLD SIZE
* For each additional person, you can add: $8,400 per year, $700 per month
If your income exceeds the income guidelines listed above, you must fill out means test forms requiring detailed information about income and expenses. If you are found to have a certain amount left over that could be paid to unsecured creditors, the bankruptcy court may decide that you cannot file a chapter 7 case, unless there are special circumstances.
This is a very complex area of law and calculations, and we highly recommend that you seek the services of an experienced attorney. A Tucson bankruptcy lawyer who cares.
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.
Frequently Asked Questions
- Child support or Alimony;
- Taxes and government fines;
- Student loans;
- Debts not listed on your bankruptcy petition;
- Fraudulent debts;
- Debts resulting from “willful and malicious” harm;
- Debts related to driving while intoxicated;
- Secured debts (home or car loans) on property you plan to keep
Praise From Our Clients
Jeffrey Judge was amazing as we went through the bankruptcy process. So many other people were unprepared when they met with the trustee, but Mr. Judge was thorough and informative, so we had no unexpected issues. I highly recommend!!!
— Source: Tucsonbankruptcylawyers.co
Mr. Judge has been amazingly helpful as I've been going through the bankruptcy process. He is extremely patient, and understanding. He thoroughly answers any questions I have and has graciously given his time to make sure I understand the process. I feel so fortunate to have him for a lawyer!!
— Source: Tucsonbankruptcylawyers.co
I meet with Mr. Judge for advice. Mr. Judge is excellent; he is thorough, fair, straightforward and respectful. I honestly believe that he gave me the exact guidance he would have used himself, without regard for how much money he was making or losing in the process. I recommend him to all my friends and family - you will NOT be disappointed
— Source: Yelp.com
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.