Lawyers Helping You File Bankruptcy
Bullhead City * Lake Havasu City * Kingman
At the Knochel Law Firm, we help people in Arizona, Nevada and California achieve debt relief by filing Chapter 7 or Chapter 13 personal bankruptcy. When you simply cannot get ahead financially, we are there to pick you up and give you a fresh start.
Our firm provides skilled assistance in improving your financial state. We review your situation, help you determine which chapter bankruptcy you should file, and represent your interests in bankruptcy court and in other stages of the process. Contact us to schedule an appointment with a bankruptcy attorney to learn more about our legal services.
Is Chapter 7 or Chapter 13 Bankruptcy Right for You?
At the Knochel Law Firm, we can effectively represent clients in both Chapter 7 bankruptcy and in Chapter 13. While both types of consumer bankruptcy stop creditor harassment, garnishments, liens and other creditor actions, there are some qualifying differences.
- Chapter 7 bankruptcy is typically for people with lower income or for people without stable employment. It discharges all eligible unsecured debts, and partially pays off creditors through the sale of non-exempt personal assets.
- Chapter 13 bankruptcy establishes a three to five year payment plan to pay off creditors. Any eligible debts remaining after the payment period are then discharged. People who qualify for Chapter 13 bankruptcy usually have a steady job and can afford to make monthly payments. They are often able to keep their house, their car and other personal property.
You will complete a bankruptcy means test to determine which type is best for you. Once this is determined, we file a petition with the bankruptcy court. If your request is approved, we move forward with the final stages of the process, including identifying all your debts and assets, attending hearings to finalize payment plans, and ensuring compliance with the trustee.
Our bankruptcy litigation attorneys offer services in all these areas. The only thing you need to worry about is how to enjoy your financial relief.
If you are considering filing bankruptcy, contact the Knochel Law Firm in Bullhead City, Arizona. We will help you achieve your debt relief goals.
