When your life is a constant struggle to make ends meet, somehow pay your bills, cope with persistent creditors and beyond all this, simply stay afloat, you need to take decisive action. You may even be at risk of losing your home or investments, repossession, wage garnishments and more. Simply continuing on as exorbitant interest continues to accrue and you go without life’s necessities will not lead you out of this very stressful and precarious situation. You do have options under the law and it is imperative you take prompt action before matters get even worse. A
bankruptcy attorney can review your personal circumstances and help you to determine the best course of action to help you make a fresh start.

Bankruptcy & Its Alternatives

Our firm can assist you with all aspects of bankruptcy and debt solutions. Some of the areas we commonly address include:

Chapter 7

A Chapter 7 bankruptcy discharges all of your qualifying debt and gives you the opportunity for a fresh start. The attorneys at our firm can advise as to which of your debts would be included in this process and which would not, can assess whether or not you qualify and can help you through the entire process.

Means test

A specific means test as laid out by the U.S. government is necessary to determine whether or not you qualify to file for a Chapter 7 bankruptcy. The calculations and specifics of this test can become quite involved and it is best to have the help of an attorney to ensure you achieve the correct result.

Chapter 13

A Chapter 13 bankruptcy could be the best solution for those who do not qualify to file a Chapter 7 or don’t wish to lose certain assets . It may, however, be a better option for your particular circumstances even if you qualify for both. It does not result in a full discharge of your debts but allows you to have an affordable payment plan.

Myths about Bankruptcy

Unfortunately, the many myths about bankruptcy prevent some people from pursuing this path when it would be a viable solution to their overwhelming financial pressures and stresses. It is vital you have the correct information on this process and its effects so that you can make an informed decision.

Rebuilding Your Credit

Although bankruptcy is listed on your credit report for a certain time, the new start it provides allows you to take charge of a financial situation which is obviously already endangering your credit. Other options also exist to rebuild your credit and an attorney can help you with a strategic plan to do so.

Creditor Harassment

Creditor harassment is illegal and the law is very specific regarding what is and is not acceptable in relation to collection actions. If you feel harassed by your creditors, talk to an attorney right away. You do have rights and recourse under the law to protect you from such treatment.

Debt Consolidation

Debt consolidation involves reorganizing your debts to make one monthly payment which is then distributed to your creditors by an agent. In most cases, debt consolidation allows you to achieve lower interest rates and a lower repayment amount. Our firm can ensure this process is addressed correctly.

Discharging Your Debt

Discharging your debt with bankruptcy provides you the opportunity to finally escape the stress you have been battling and make a fresh start. The type of bankruptcy you file determines which types of debts are covered and how much is discharged.

Repossession

If you are being threatened with repossession of your vehicle or other property for being behind on payments, speak to an attorney at our firm immediately. There are several options available to you but it is important to act quickly so these are not lost.

Wage Garnishments

Wage garnishment can occur unexpectedly and leave you without enough money to pay your basic necessities of living. If this has happened to you, our firm can take action to fight for your rights. It is also wise to take steps to prevent this real possibility, so if you are in financial trouble, don’t wait to contact us.

Foreclosure Defense

If you are facing the possibility of foreclosure, there are several options which may help you prevent this from happening. In some cases, a Chapter 7 bankruptcy does not place your home at risk, yet provides you with financial freedom by discharging your other debts. We can help you review all your options.

Short Sale

A short sale is the sale of a property when you owe more on it than it is currently worth. This can help you avoid bankruptcy, foreclosure, or being pursued for the deficiency following the transaction. Our firm can make sure the process is addressed correctly to protect you from liability.

Bankruptcy Alternatives

Some of the alternatives to bankruptcy include loan modifications, debt negotiation, debt consolidation, debt settlement and short sales. It is vital you obtain legal assistance to determine the option most suited to you that will have a positive impact on your situation.

Estate Planning

Intelligent estate planning can protect your assets from unnecessary taxes, creditors, unexpected claims and more. Along with preserving your estate, it ensures your wishes are followed and those you intend to benefit from your estate do so. We can help you effectively plan for the future.

Family Law

Family law covers divorce, marital separations and annulments and the specific aspects of those, such as child custody, child support, spousal support and property division. It also encompasses such matters as adoption, domestic abuse and more. Our firm can help you fight for your best interests and those of your family.

Divorce

Going through a divorce requires you to address significant issues such as child custody, child support, spousal support and property division. It is vital you have a seasoned attorney fighting for your rights and those of your children during this difficult and crucial time.

Real Estate Law

When you are involved with real estate transactions, it is imperative you have professional advice to help you make the right decisions and protect your investments. We can assist with the entire process o real estate transactions and asset-based financing matters, real estate litigation and related issues.

Landlord Tenant Act

As a landlord or a tenant, you have certain rights and responsibilities under the law. When your landlord or tenant violates the laws governing this relationship, your life can be negatively impacted to a significant degree. We can assist you with addressing these matters and protect yourself in the process.

Legal Help with Debt Solutions in Mesa

The attorneys at Dodge & Vega, PLC, have over 35 years of combined experience and are devoted to doing all they can to help you. Our firm is A rated by the Better Business Bureau and has achieved various professional nominations and recognitions. We serve individuals, families and business both small and large and take the time to understand the unique situations and needs of our clients. We pride ourselves on being different than the typical attorney, offering personalized service and tailored assistance driven by our genuine desire to help you achieve a better life.

When your life is a constant struggle to make ends meet, somehow pay your bills, cope with persistent creditors and beyond all this, simply stay afloat, you need to take decisive action. You may even be at risk of losing your home or investments, repossession, wage garnishments and more. Simply continuing on as exorbitant interest continues to accrue and you go without life’s necessities will not lead you out of this very stressful and precarious situation. You do have options under the law and it is imperative you take prompt action before matters get even worse. A
bankruptcy attorney can review your personal circumstances and help you to determine the best course of action to help you make a fresh start.