Filing for Bankruptcy can be a tough decision. Sometimes, it can feel like you’re alone and that you are the only one that’s experiencing financial hardships. This is simply not the case. Bankruptcy is a way to “start over” when you are in financial crisis and your debts becoming overwhelming. In fact, many people and even major companies have fallen victim to overwhelming debt. Four months into 2019, there have been reports that over 19 major retailers have filed for bankruptcy. Some of these retailers include: Beauty Brands, Gymboree, Charlotte Russe, and Payless Shoes. So, what does the bankruptcy process look like?

Well, there are many different types of bankruptcies that can be filed, depending on your household income, expenses, assets, debts, number of dependents and so on. The most common bankruptcies for individuals are Chapter 7 and Chapter 13. As per the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), consumers who file a Chapter 7 or Chapter 13 bankruptcy are required to complete a Bankruptcy Credit Counseling course with an approved non-profit counseling agency. Consumers must complete this mandatory counseling prior to filing their bankruptcy. Once after you have completed the credit counseling course and have determined that bankruptcy is your only viable option for relief from financial hardship, you can prepare and file the bankruptcy petition. This is the step, where most people decide to seek legal help. The forms can be complex, and they can be difficult to navigate through if you are not familiar with State exemptions and ways to protect your assets.

Then, after you file bankruptcy, you are required to attend a mandatory bankruptcy hearing to appear before the bankruptcy trustee – this can be a daunting and intimidating process. Let one of our experienced attorneys at Dodge & Vega, PLC help you to determine your rights under the Bankruptcy law and walk you through the bankruptcy process. If you have any questions regarding bankruptcy or have questions to determine if bankruptcy is right for you, our office offers FREE 30-minute consultations with an experienced bankruptcy attorney. Give us a call at (480) 656-8333 and let us know how we can help you improve your financial situation.

Or Contact our office online for your free Chapter 7 or Chapter 13 Bankruptcy consultation to find out if you can qualify for bankruptcy and/or what other alternatives are available to you if bankruptcy is not for you.

 

Written By:

Kaci Brown, Senior Bankruptcy and Personal Injury Paralegal at Dodge & Vega PLC

 

 

Dodge & Vega PLC

Ben Dodge, Esq., Affordable Mesa Bankruptcy Lawyer, Entrepreneur, Endurance/Ultra Cyclist

 

 

 

 

 

 

 

A consultation with Experienced and Affordable Mesa Arizona Bankruptcy Arizona Attorney Ben Dodge is free.

Understanding your rights and what you are entitled too, Ben Dodge is known as a serious litigator. There are two types of attorneys, those that sit behind a desk and push paper and those who actually hit the court room in the real world and get things done. Ben is a litigator who thrives in the court room. He once said: “It is one thing to tell your clients you are a good lawyer, it is an entirely different thing to be willing to prove it to them while they watch you do your work in front of them, in front of a jury watching your every move, in front of a judge, and your peers who are lawyers on the other side if your case. I love the opportunity to go to court and put my money where my mouth is. In my experience most lawyers are either afraid of the court room or not good at it and belong behind a desk or both.” -Ben Dodge

Bankruptcies happen because life happens. Don’t let false shame or fear keep you chained down to your debts. There are many options out there to begin to free yourself of unmanagable financial burdens. We are here to help. We understand the feelings, the false guilt and shame, and of course the rewarding sense of moving on and starting over.

Bankruptcy is a federal issue managed by some state rules and policies. We are here to guide you through them. Ben Dodge always offers a complimentary in person consultation to all clients. For those who live out of state or are otherwise busy with work, etc. Ben will do a complimentary phone consultation as well. Typically the consultations are scheduled from 30-60 minutes depending on the severity of the case. You can expect to get answers to questions, clarity, information, and reassurance of your personal, family, or business debt issues. In your free consultation you can generally expect to discuss such topics as:

  • What your debt issues are really about.
  • Whether or not you have any chance of qualifying for a bankruptcy.
  • How chapter 7 or chapter 13 bankruptcy works and which one would be the best fit for you.
  • Our unique and incredible fee structure making Dodge & Vega lawyers affordable for any budget.
  • Your specific case details, debt documents, lawsuits, and any other creditor collection and other evidence you provide for his review.
  • The applicable local, state, and federal laws underlying your case.
  • Your rights, obligations, and any potential liability.
  • The process, procedure (in and out of court), and the time frame required to conclude your case.

You can call Arizona Lawyer Ben Dodge of Dodge & Vega, PLC at 1.480.656.8333. Mr. Dodge’s staff is standing and ready to accept your call 24 hours a day, 7 days a week, every single day of the year. Someone from our office will personally return your call within 24 hours to schedule an appointment with Mr. Dodge or one o his associate attorneys. There is never an obligation past a complimentary consultation with Mr. Dodge. His passion is in relentless representation and his entire office stands ready to serve with kindness, compassion, and patience. We strive to make a legal experience with our firm one of the most outstanding customer service experiences you will ever have and to do so without you having to go broke! Lawyers can be incredible and affordable. Let us show you how.

Dodge & Vega, PLC

Call Ben Dodge, your incredible Arizona Lawyer today at 1.480.656.8333.

Mr. Dodge can also be reached by email at [email protected]

His main Arizona offices are located at:

Mesa Arizona (home base office)
7227 E. Baseline Rd. STE 109,
Mesa, Arizona 85209

Phoenix Arizona office
2415 e. Camelback Rd., suite 700
Phoenix, Arizona 85016

Tucson Arizona office
One South Church Avenue, 12th Floor
Tucson, Arizona 85701

Mr. Dodge relentlessly represents clients in the entire state of Arizona including but not limited to Mesa, Phoenix, Tucson, Yuma, Gilbert, Peoria, Glendale, Scottsdale, Ahwatukee, Tempe, Chandler, Prescott, Sedona, Flagstaff, Surprise, Kingman, Page, Lake Havasu City, Payson, Goodyear, Buckeye, Queen Creek, Paradise Valley, Show Low, Winslow, Maricopa, Nogales, Globe, Avondale, Cave Creek, Fountain Hills, Apache Junction, Carefree, Wickenburg, Pinetop-Lakeside, Strawberry, Anthem, Safford, and more. Ben Dodge is an experienced Arizona Personal Injury lawyer, Arizona Family Law lawyer, Arizona Divorce lawyer, Arizona Bankruptcy lawyer, Arizona Child Custody lawyer, Arizona Estate Planning lawyer, and an Arizona Bicycle Accident lawyer. He can cover all areas of family law, personal injury, bankruptcy and estate planning for you.

There is No Shame in Getting Bankruptcy Help and Good Legal Advice

There is no shame in filing bankruptcy. You are definitely not alone. According to the United States Bankruptcy Court website, over 12,775,500 non-business bankruptcies were filed between 2006 – 2017. The most recent data reveal that in 2017-2018, over 779,828 businesses and individuals filed for bankruptcy. Why so many bankruptcies? Because life happens and individuals find themselves in over their heads with debt. The most common reasons include medical expenses, reduced income from pay cuts, job loss, divorce, huge student loan debt, credit cards/overspending and unexpected expenses.

The majority of our clients don’t file bankruptcy because they intended to get themselves into debt they couldn’t afford to pay. For one reason or another, their debts became too big to pay and the more they couldn’t pay, the more late fees and interest continued to accrue. It’s a daunting experience. If you are deep in debt and can’t find any solution no matter how hard you try, you shouldn’t let fear, guilt or shame keep you from considering bankruptcy as an option. For a free consultation, contact our office to find out if you can qualify for bankruptcy and/or what other alternatives are available to you if bankruptcy is not for you.

 

Written By:

Kaci Brown, Senior Bankruptcy and Personal Injury Paralegal at Dodge & Vega PLC

 

 

Dodge & Vega PLC

Ben Dodge, Esq., Affordable Mesa Bankruptcy Lawyer, Entrepreneur, Endurance/Ultra Cyclist

 

 

 

 

 

 

 

A consultation with Experienced and Affordable Mesa Arizona Bankruptcy Arizona Attorney Ben Dodge is free.

Understanding your rights and what you are entitled too, Ben Dodge is known as a serious litigator. There are two types of attorneys, those that sit behind a desk and push paper and those who actually hit the court room in the real world and get things done. Ben is a litigator who thrives in the court room. He once said: “It is one thing to tell your clients you are a good lawyer, it is an entirely different thing to be willing to prove it to them while they watch you do your work in front of them, in front of a jury watching your every move, in front of a judge, and your peers who are lawyers on the other side if your case. I love the opportunity to go to court and put my money where my mouth is. In my experience most lawyers are either afraid of the court room or not good at it and belong behind a desk or both.” -Ben Dodge

Bankruptcies happen because life happens. Don’t let false shame or fear keep you chained down to your debts. There are many options out there to begin to free yourself of unmanagable financial burdens. We are here to help. We understand the feelings, the false guilt and shame, and of course the rewarding sense of moving on and starting over.

Bankruptcy is a federal issue managed by some state rules and policies. We are here to guide you through them. Ben Dodge always offers a complimentary in person consultation to all clients. For those who live out of state or are otherwise busy with work, etc. Ben will do a complimentary phone consultation as well. Typically the consultations are scheduled from 30-60 minutes depending on the severity of the case. You can expect to get answers to questions, clarity, information, and reassurance of your personal, family, or business debt issues. In your free consultation you can generally expect to discuss such topics as:

  • What your debt issues are really about.
  • Whether or not you have any chance of qualifying for a bankruptcy.
  • How chapter 7 or chapter 13 bankruptcy works and which one would be the best fit for you.
  • Our unique and incredible fee structure making Dodge & Vega lawyers affordable for any budget.
  • Your specific case details, debt documents, lawsuits, and any other creditor collection and other evidence you provide for his review.
  • The applicable local, state, and federal laws underlying your case.
  • Your rights, obligations, and any potential liability.
  • The process, procedure (in and out of court), and the time frame required to conclude your case.

You can call Arizona Lawyer Ben Dodge of Dodge & Vega, PLC at 1.480.656.8333. Mr. Dodge’s staff is standing and ready to accept your call 24 hours a day, 7 days a week, every single day of the year. Someone from our office will personally return your call within 24 hours to schedule an appointment with Mr. Dodge or one o his associate attorneys. There is never an obligation past a complimentary consultation with Mr. Dodge. His passion is in relentless representation and his entire office stands ready to serve with kindness, compassion, and patience. We strive to make a legal experience with our firm one of the most outstanding customer service experiences you will ever have and to do so without you having to go broke! Lawyers can be incredible and affordable. Let us show you how.

Dodge & Vega, PLC

Call Ben Dodge, your incredible Arizona Lawyer today at 1.480.656.8333.

Mr. Dodge can also be reached by email at [email protected]

His main Arizona offices are located at:

Mesa Arizona (home base office)
7227 E. Baseline Rd. STE 109,
Mesa, Arizona 85209

Phoenix Arizona office
2415 e. Camelback Rd., suite 700
Phoenix, Arizona 85016

Tucson Arizona office
One South Church Avenue, 12th Floor
Tucson, Arizona 85701

Mr. Dodge relentlessly represents clients in the entire state of Arizona including but not limited to Mesa, Phoenix, Tucson, Yuma, Gilbert, Peoria, Glendale, Scottsdale, Ahwatukee, Tempe, Chandler, Prescott, Sedona, Flagstaff, Surprise, Kingman, Page, Lake Havasu City, Payson, Goodyear, Buckeye, Queen Creek, Paradise Valley, Show Low, Winslow, Maricopa, Nogales, Globe, Avondale, Cave Creek, Fountain Hills, Apache Junction, Carefree, Wickenburg, Pinetop-Lakeside, Strawberry, Anthem, Safford, and more. Ben Dodge is an experienced Arizona Personal Injury lawyer, Arizona Family Law lawyer, Arizona Divorce lawyer, Arizona Bankruptcy lawyer, Arizona Child Custody lawyer, Arizona Estate Planning lawyer, and an Arizona Bicycle Accident lawyer. He can cover all areas of family law, personal injury, bankruptcy and estate planning for you.

Exciting news for all bankruptcy attorneys and their clients! In April of 2013 the Arizona Bankruptcy Exemptions were finally updated. The previously low exemptions are now higher (although in most cases far too low in my opinion). The nutshell means that more of your stuff is now protected when you go through a bankruptcy.

Bankruptcy exemptions serve the important purpose of protecting your assets, especially in a chapter 7 bankruptcy. When you file a chapter 7 bankruptcy, also known as a “liquidation bankruptcy,” your assets are subject to seizure and auction if they are unprotected. This is really not a huge deal as most people that need to file a bankruptcy do not have assets which are unprotected. However, in some cases your car may be worth too much, or your wedding rings, etc. Now that the new Arizona bankruptcy exemptions are in place more of those personal items can be protected!

For example, the equity in your car went from $5,000 up to $6,000! And the cash in your bank account went from $150 per person to $300 per person!

You can see the full list of the new Arizona bankruptcy exemptions compared to the old ones, on our website here: New Arizona Bankruptcy Exemptions – 2013

If you have any questions regarding the new Arizona bankruptcy exemptions please contact us at (480) 656-8333 or submit a case inquiry and we will meet with you for a free consult to discuss these new and exciting changes.

One of the most common concerns of homeowners who are considering filing for bankruptcy is whether or not they will lose their home if they file for bankruptcy. In many cases, you will not have to give up your home simply because you have found yourself in financial trouble, and have chosen to file for either Chapter 7 or Chapter 13 bankruptcy. There are certain circumstances which could lead to your property being foreclosed upon as well as alternatives that could be helpful, such as a short sale. If you are current on your mortgage payments, and you wish to continue living in your home, our firm may be able to help avoid losing the property.

Arizona law permits the complete exemption of certain properties providing their value does not exceed the limits as laid out in the Arizona statutes. To gather a more complete understanding on Arizona bankruptcy exemptions, and to determine if your home and property qualify for exemption, we recommend you contact our firm to discuss your situation with an experienced Mesa bankruptcy lawyer. The lawyers at our firm have more than 35 years combined experience helping clients navigate through a range of different bankruptcy situations. We know that each situation is different, and that is why we work closely with our clients to determine the course of action that will best suit their needs, and allow them to regain control of their finances.

Bankruptcy often enables people to discharge much of their debt once the process is completed. Both Chapter 7 and Chapter 13 allow for the cancellation of many remaining debts, although the processes used are different. Chapter 7 uses the liquidation of nonexempt assets to repay creditors, and once the filing is complete, the individual will be released from many of their debts with remaining balances. In
Chapter 13, the court works with the individual to a reorganize their debts into a repayment plan that will last three to five years. Through more affordable monthly payments, the individual repays their creditors, and once the time period of the plan is complete, they are able to discharge many of the balances that remain.

Many people file for bankruptcy because they want to be rid of their debts, but it is important to know that there are certain types of debt that cannot be discharged through bankruptcy. The debts that you cannot cancel through bankruptcy include:

  • Student loans
  • Child support
  • Alimony payments
  • Debts incurred through fraud or deceit
  • Most unpaid taxes
  • Payroll taxes
  • Sales taxes
  • Property taxes
  • Willful tax evasion or fraudulent tax return
  • Criminal fines
  • Restitution
  • Drunk driving injury claims
  • Fines or penalties owed to a governmental unit
  • Damages owed to a victim for causing willful injury to their person or property
  • Expensive or luxury charges incurred shortly before filing for bankruptcy
  • Debts incurred after the repayment plan was created

If the majority of the types of debts you are struggling to repay are included on this list, you may need to consider bankruptcy alternatives to address your debts. Before making any decisions, speak with a knowledgeable attorney who can determine your options and assist you in pursuing relief from debt. Our team at Dodge & Vega has helped countless people file for bankruptcy and pursue financial freedom all across Arizona, and we would be proud to guide you in the fight to regain control of your finances. Do not hesitate to call our firm to discuss your unique situation and possible options!

[fusion_builder_container hundred_percent=”no” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” overlay_color=”” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” padding_top=”” padding_bottom=”” padding_left=”” padding_right=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” border_position=”all” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” center_content=”no” last=”no” min_height=”” hover_type=”none” link=””][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

As it has become part of our tradition Team Dodge & Vega participated in the final year

of London’s Run. The team did an outstanding job and all members achieved personal records

in the half-marathon.

We are very excited to have been able to contribute to the great success of

this event. According to event organizers 50 pints of blood were donated at the blood

drive, 78 bone marrow registry donors and over $40,000 was raised to help Arizona

families in need!

 

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]