If you are overwhelmed by insurmountable debt and dealing with constant harassment from creditors, bankruptcy may the solution you need to take control and get your finances back on track. By filing for Chapter 7 or Chapter 13, you may be able to finally attain a fresh start.
Dodge & Vega is committed to providing individuals and families seeking freedom from their debts with the knowledgeable and caring representation needed to address the issues and protect their financial futures.
Is bankruptcy right for me?
Struggling to keep up with your bills, seeing the ever-mounting interest, failing to make progress with your debts or not having enough cash to pay for your basic needs, can be depressing and frightening. When you have constantly fought with this situation and have seen no improvement, it is easy to lose hope and feel completely overwhelmed. Without decisive action, your financial situation and the stress and anxiety you are suffering will continue as it has. Bankruptcy can provide the opportunity to get a fresh start and provide the relief and you so desperately need.
Bankruptcy in Arizona
The country’s economic troubles of recent years have also affected countless families and individuals, and the people of Arizona have not been immune. The number of bankruptcy filings in the state has risen dramatically since 2006 when a total of 7,796 filings were made, to a total of 36,550 filings in 2011. More recent numbers show evidence that the numbers may be decreasing, but the statistics prove that there are numerous people across the state still struggling with debt who seek bankruptcy for relief.
Thus far, the stats for 2012 show:
- 14,734 cumulative filings
- 4.47 filings per capita (1,000 people)
- Arizona ranks 15th out of the country based on per capita filings
- A decrease of -0.85 in per capita filings over 2011
- 13% file for Chapter 13 bankruptcy
- 87% file for Chapter 7 bankruptcy
If you are considering filing for bankruptcy, don’t wait to contact a skilled lawyer from our firm. With the advice of legal counsel, you can gain a clear understanding of your options and determine which action would best resolve your situation. With more than 35 years of combined experience, the attorneys at Dodge & Vega, PLC, have helped countless individuals, families and businesses recover from serious financial difficulties through federal bankruptcy laws. Our legal team provides personalized service to develop a strategic approach to your unique circumstances. We will work with you to assess your finances to see which Chapters you qualify for, and we will guide you through the process and help you understand how filing will address your debt.
Are there alternatives to bankruptcy?
Many people prefer to avoid bankruptcy and fight their debt through other means. A bankruptcy alternative could be more effective for your circumstances, and it is important to consult with an experienced legal counsel to determine which the best solution is for you, your finances and your family. Our legal team will conduct a thorough review of your finances and consult with you on your goals and priorities. Whichever action is best for you, we can help you through the entire process. We are very familiar with assisting clients with debt relief alternatives, such as debt consolidation, discharging your debt, repossession, wage garnishments, foreclosure defense, a short sale, helping in rebuilding your credit and filing legal action in cases of creditor harassment. We can help to clear up myths about bankruptcy, provide the legal counsel you need regarding the means test, review the advantages and disadvantages of Chapter 7 vs. Chapter 13 and discuss the bankruptcy fees.
Our team at Dodge & Vega has helped countless families throughout the state fight their debts and obtain fresh starts, and we would be proud to assist your family during this difficult time. Ben Dodge is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and the American Bankruptcy Institute as well as the American Bar Association and Arizona State Bar. Throughout our years helping individuals out of financial difficulty, Ben and our legal team have received numerous professional nominations and achieved an A rating with the Better Business Bureau. What matters most to us is that we have the ability to help you and know exactly how to do it. We can also assist with matters of estate planning, family law, divorce, real estate law and the landlord tenant act.
Dodge & Vega is located at 4824 East Baseline Road, Suite 124 in Mesa, Arizona. We help people throughout Arizona file for bankruptcy, so contact our team today.