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Phoenix Chapter 13 Bankruptcy Lawyer

Many people experience gaps in income at some point in life, whether because of career transition, divorce or an unanticipated medical issue. Many people can handle a temporary gap in income, but there are not many who can get by for an extended period. If you are finding it impossible to get caught up on back payments and late fees, it may be time to speak to a lawyer about filing bankruptcy.

At the Law Offices of Anca Iacob, we know that you would pay back your debt if you could. We also know that circumstances combine to make repayment too difficult for some people. We want you to know that you are not alone in struggling with debt, and it is not a personal failing. In fact, the law allows people like you to file for Chapter 13 bankruptcy protection as a way to regain control of your life and get back on the right track.

Reorganize Your Debt Using a Chapter 13 Repayment Plan

Filing for Chapter 13 is a good strategy for people who have stable income and ability to repay debts, if given time. Chapter 13 allows you to repay your debts over a three- to five-year period. The payments are manageable and based on your income. Your payments are applied first to your secured debt, like your mortgage or auto loans. At the end of the payment period, you will be caught up on these obligations. Plus, any remaining unsecured debt, such as credit card debt and medical bills, is eliminated. This gives you the fresh start you need.

Other Benefits of Filing Chapter 13 Bankruptcy

In addition to reorganizing your debt and making it manageable, there are many other important benefits to filing for Chapter 13, including:

Why Not Chapter 7?

There are many reasons why filing Chapter 13 may be preferable to filing Chapter 7 bankruptcy:

  • Not everyone qualifies for Chapter 7.
  • Chapter 13 may allow you to keep assets that would be sold in Chapter 7.
  • There are some tax debts that can be dealt with in Chapter 13, but not Chapter 7.

Guiding You Through the Arizona Bankruptcy Process

The key to a successful debt reduction effort is cooperation and communication, especially between you and your attorney. Our firm, led by Phoenix Chapter 13 bankruptcy lawyer Anca Iacob, is dedicated to honest and open communication with clients. Starting from your initial consultation, we will be there to advise you at all phases of the process and give you the information you need to make wise financial decisions going forward.

Contact a Glendale Debt Repayment Plan Attorney for an Initial Consultation

We are here to help you take control of your financial future. Please call 623-266-0060 to schedule an appointment, or you can contact our Glendale law office online. Consultations are available from 9 a.m. to 5 p.m. Monday through Friday. Evening and weekend meetings can be arranged by appointment.

Our 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.

Office Location

Law Offices of Anca D. Iacob
P.O. Box 11531, Glendale, AZ 85318-1531
Tel: 623-266-0060 | Fax: 623-334-6869

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