Arizona Debt Reorganization Attorney
If you are worried that your income or other factors may disqualify you from Chapter 7 bankruptcy protection, Chapter 13 debt reorganization may provide the best possible resolution to your debt issues.
Are you worried about losing your home through foreclosure? Are you struggling to stretch your paycheck every month? Do you wish there was a way to simply catch up on your obligations? At The Law Offices of Anca Iacob, I am dedicated to providing reliable, diligent Chapter 13 guidance and representation. I can help you determine if bankruptcy is right for you based on your unique financial situations.
I have helped individuals throughout Maricopa and Yavapai counties obtain sound, affordable repayment plans. My practice is founded on the hallmarks of professionalism and trust. I treat every client with the respect and dignity they deserve, and recognize that you are trusting me to handle your most serious financial issues.
Chapter 13 Reorganization Basics
Depending on your income, you may be able to reorganize your debts within a three-to-five year repayment plan. This could allow you to place mortgage arrears, tax arrears and other financial obligations within the plan, and help prevent foreclosure.
The key to a successful Chapter 13 plan is preparation. I understand how to establish affordable repayment plans based on your disposable income. My proactive approach to the bankruptcy process also helps to ensure that you will not default on the repayment plan.
There are four qualifications for Chapter 13:
- You must have regular income.
- You must have enough disposable income to make regular payments to pay the required debts under the plan.
- Your secured debts and unsecured debts can change frequently, so it is important to consult with a qualified attorney to determine if you fall within the debt limitations.
- You must have filed your taxes in the last four years.
Contact a Lawyer Today
Without proper guidance, or an affordable plan, your bankruptcy could be dismissed without discharging any debt. As a dedicated Glendale Chapter 13 bankruptcy attorney, I understand the complex issues surrounding Chapter 13. I dedicate substantial pre-filing preparation to ensure your repayment plan is approved by the court. I am dedicated to helping you achieve your goals.
Free Consultations
I offer free consultations to discuss your complicated bankruptcy or criminal law matter. My Glendale office hours are 9 a.m. to 5 p.m. Monday through Friday; however, I also offer evening and weekend hours by appointment only. Please call 623-748-6994 to schedule an appointment, or you may send me an e-mail.
My office is located near Highway 101 and offers free and easy parking.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
