Tucson(520) 745-4429 Mesa/Phoenix (480) 788-0098
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Welcome To Yusufov Law Firm, Your Tucson Bankruptcy Attorney

Bankruptcy can stop collector harassment, prevent home foreclosure, and help you get back on the right financial path. For business owners, bankruptcy can help restructure debt and allow the business to continue operating. At Yusufov Law Firm, your preferred Mesa, Phoenix and Tucson bankruptcy attorney, our foremost goal is to help you resolve your financial difficulties and get your life back on track. If you are considering bankruptcy and would like expert consultation and help understanding the process, “Yusufov Law Firm is here to help”.

Top 3 Benefits of Hiring an Experienced Bankruptcy Attorney

  • Assess potential issues before the case is filed
  • Ensure compliance with all procedural requirements
  • Maximize the benefits of Bankruptcy
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    Meet Your Attorney

    I have been a bankruptcy attorney in Tucson and Mesa, Arizona, for over 15 years, and in that time have helped countless people, as well as businesses, resolve the stress of overwhelming debt. I became a bankruptcy attorney because I believe that a person’s future should not be crippled by an unexpected illness, a job loss, an unsuccessful business venture, or another financial hardship. Debt problems can occur at any time, and, in these tough financial times, individuals and businesses often face such debt problems for reasons outside their control. Everyone deserves a second chance at a secure and financially-stable life free from crushing debt.

    My goal, first and foremost, is to remove the pressure and uncertainty of dealing with debt from your shoulders. Bankruptcy is a complicated process, my job is to make it simple. When you work with me, I will explain the benefits of the different bankruptcy debt relief options, help you choose the right bankruptcy chapter, and guide you through every step of the bankruptcy process. I aim to ensure that you not only get the fresh start that you deserve, but that you understand what is going on with your case every step of the way. When you work with a Tucson Bankruptcy Attorney at Yusufov Law Firm, you will never feel that you have no control of your financial circumstances.”

    — German Yusufov

    Experienced Bankruptcy Attorney To Help You Get Out Of Debt

    Whether you are facing foreclosure, are in danger of losing your car, have overwhelming medical bills, want to stop creditors from harassing you, or want to save your business and reorganize your debts, we can provide options to help you address your debt problems.We have experience dealing with all types of financial problems encountered by individuals and businesses. We will analyze your specific circumstances and prepare an individualized strategy designed to deal with your concerns. Call us today at (520) 745-4429 in Tucson or (480) 788-0098 in Mesa/Phoenix for a free consultation.

    Bankruptcy FAQ

    Read through some frequently asked questions.

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    Bankruptcy Checklist

    This checklist is designed to help you determine if you qualify for bankruptcy, and for what type you qualify.

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    Free Consultation

    Contact Yusufov Law Firm PLLC for a free initial consultation to review your case and get your questions answered.

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    Affordable Bankruptcy Lawyer Services In Tucson Arizona

    As a Tucson Bankruptcy Lawyer, we understand the unique issues faced by people who file for bankruptcy in Arizona. We have a thorough knowledge not only of the bankruptcy laws, but also of the Arizona laws that impact the rights and responsibilities of Arizona bankruptcy filers. Filing for bankruptcy without a full understanding of the applicable laws, including Arizona exemption laws, can have drastic consequences. Such consequences can include unexpected loss of property, determination that a debt is not dischargeable, or even denial of the bankruptcy discharge. We will help you determine the best debt relief options for eliminating your debt while protecting your assets and property, so that you can get a fresh financial start.

    We also understand the importance of cost-effective legal representation, especially for people already struggling with debt. Therefore, we offer affordable payment plans for both Chapter 7 and Chapter 13 bankruptcy cases, so that you can get the bankruptcy attorney services that you need from a qualified Tucson bankruptcy attorney.

    If you are dealing with debt, talk to our local Tucson bankruptcy attorney about your debt relief options.

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    Personal and Business Bankruptcy Solutions

    PERSONAL

    Chapter 7 Bankruptcy

    Chapter 7 provides immediate relief from debt collectors by imposing an automatic stay as soon as the bankruptcy is filed. This prevents creditors and debt collectors from calling you or contacting you by any other means, or contacting your employer or your relatives. It also stops lawsuits.

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    PERSONAL

    Chapter 13 Bankruptcy

    Chapter 13 provides enhanced options for those who need help with secured debt, such as a mortgage or a car loan. It is particularly useful to individuals who are behind on their mortgage payments and facing foreclosure, and allows up to five years to catch up on missed payments.

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    BUSINESS

    Chapter 11 Bankruptcy

    For businesses struggling with debt, Chapter 11 provides options for eliminating or restructuring debt to allow the business to continue operating. While in Chapter 11 bankruptcy, the business is given breathing room to operate without interference from creditors. Upon exit from bankruptcy, the business should be free from burdensome debt, with unsecured debt either being paid off or discharged, and secured debt modified to make payments more affordable.

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    Non-Bankruptcy Solutions

    Debt Settlement And Negotiation

    Sometimes bankruptcy is not the right option, such as when the costs of bankruptcy would be too high relative to the amount of debt, or if the individual has too much in non-exempt assets or too high income. In such cases, debt settlement can provide a more effective alternative. Settlement allows elimination of debt through negotiation directly with the creditor and payment of a reduced amount. Most types of debt can be settled, including credit cards, medical bills, and even student loans.

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    Lawsuit Defense And Litigation

    Where neither bankruptcy nor debt settlement is an option, and a lawsuit is filed by a creditor, we can provide an aggressive defense in court. In some cases, such as where the statute of limitations has expired, or where the creditor does not have the necessary documentation for the debt, litigation in court may be the best way to completely eliminate the debt.

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    Student Loan Defense And Settlement

    Student loan debt presents unique problems because, with limited exceptions, it is generally not dischargeable in bankruptcy, and therefore student loan lenders have little incentive to negotiate a settlement. However, there are ways to settle student loan debt, to eliminate it through litigation, or to even discharge it in bankruptcy. We have extensive experience representing student loan debtors, and have successfully defended clients in court against student loan debt collection through settlement, through litigation, and through bankruptcy.

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    Personal Attention And Honest Advice

    Choosing a bankruptcy attorney can be a nerve-racking process. That is why we provide a free consultation to help you understand your rights and options. We will give you honest advice on whether bankruptcy is the right choice for you, and will always let you know what alternatives to bankruptcy may be available. Further, we are always available to answer any questions or concerns our clients may have as their cases progress.

    We know that getting quality information and advice about the bankruptcy process is essential to making the right decision about your financial future. We will lay out your options, clearly explain bankruptcy laws relevant to your situation, and help you ensure that the bankruptcy process goes smoothly.

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    About The Bankruptcy Process

    Bankruptcy is the legal procedure that allows individuals, businesses, and other organizations to get relief from burdensome debts, either by modifying the repayment schedule, reducing the debt, or eliminating it altogether. Our debt relief process is broken down into three simple steps.

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    1

    Consultation

    Meet German to discuss your financial situation.

    2

    Solution

    Evaluate your options and identify the ideal solution.

    3

    Peace of Mind

    Finalize your financial plan and eliminate debt.

    Hire An Experienced Bankruptcy Attorney

    An experienced Bankruptcy Attorney can provide significant benefits in helping you obtain prompt and effective debt relief. Even in the simplest bankruptcy cases, the debtor must follow several strict procedural requirements to receive a discharge. In addition, the debtor must be sufficiently familiar with the bankruptcy laws to avoid pitfalls that can result in failure to discharge certain debt or in unanticipated loss of property. Having an experienced Tucson Bankruptcy Attorney on your side throughout the bankruptcy process will alleviate the need for the debtor to learn and understand the bankruptcy laws, and will almost always make the bankruptcy process much more smooth and painless. The most significant benefit of an experienced bankruptcy lawyer is that the lawyer can usually quickly spot any potential issues with your case, and address them before the bankruptcy case is even filed.

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    Why Choose Yusufov Law Firm PLLC?

    You have a wide selection of attorneys to choose from when looking for bankruptcy assistance. Why choose Yusufov Law Firm PLLC? We have the experience to handle the most complex bankruptcy cases. More importantly, we are committed to providing each individual client with the best possible result for his or her case, and we will work tirelessly to make that happen. When you work with Yusufov Law Firm, you can be assured that you and your case will receive our complete dedication and the personal attention that you need and deserve.

    Top 3 Benefits Of Hiring An Experienced Bankruptcy Attorney

    Assess Potential issues before the case is filed

    Ensure compliance with all procedural requirements

    Maximize the benefits of bankruptcy

    STILL HAVE QUESTIONS?

    Schedule A Free Consultation

    Whether you’re an individual overwhelmed by debt or a business struggling to stay afloat, we are here to help you understand your debt relief options and assist you in taking hold of your finances and getting a fresh start. Answers to your debt relief questions are just a phone call away. Contact us via our website or give us a call at (520) 745-4429 in Tucson or (480) 788-0098 in Mesa/Phoenix today.

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    Successful Case Resolutions

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    Successfully recovered damages from a mortgage company for violation of our clients’ bankruptcy discharge

    Confirmed a Chapter 11 plan for an industrial repair business

    Successfully Discharged Over $130,000 In Student Loan Debt

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    Top Frequently Asked Questions

    1

    Can I Keep Some Credit Cards When I File For Bankruptcy?

    Many people considering bankruptcy want to know if they can keep some of their credit cards after bankruptcy. The reasons vary. Some want to pay off a particular debt, some want to keep a specific card because it offers a particularly low-interest rate, but most often the reason is that they simply want to have access to a credit card after bankruptcy. Whether you can keep a credit card after bankruptcy often depends on whether there is a balance on the card when the bankruptcy is filed.

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    2

    What Debts Can Be Discharged (Eliminated) In Bankruptcy?

    Most unsecured debts can be discharged in bankruptcy. This includes credit card balances, medical bills, and personal loans. In addition, some secured debts, like judicial liens, can be discharged if they impair an exemption in a debtor’s property.
    It shoud be noted, however, that certain debts, even though unsecured, are not discharged in bankruptcy. For example, bankruptcy will not discharge domestic support obligations and certain taxes. In addition, whether some unsecured debts are dischargeable may depend on the type of bankruptcy filed (i.e. Chapter 7 or Chapter 13). If you have questions about the dischargeability of a particular debt, you will need to speak to a bankruptcy attorney. If you reside in Mesa, greater Phoenix area, Tucson or Southern Arizona, please contact Yusufov Law Firm for a free consultation.

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    3

    Can I Keep My House? Can I Stop A Foreclosure?

    The answer is generally yes, if you continue making the mortgage payments. If you fell behind on your mortgage payments due to temporary financial difficulties, filing a Chapter 13 bankruptcy can allow you to catch up on the missed payments over a period of several months to several years. This is true even if a foreclosure date has already been set–filing bankruptcy will stop the foreclosure process. If your income is not sufficient to continue making your monthly mortgage payment, you may be able to modify your mortgage through the Mortgage Modification Mediation Program.  In some situations, especially where the debt on the house far exceeds its value, surrendering the house to the lender may be the best option, and may in fact resolve most, if not all, of your financial difficulties. However, for individuals who want to keep their house, their other debts can often be restructured, reduced, or eliminated in order to free up enough income to make the mortgage payment. To learn about your options, please contact a Mesa and Tucson bankruptcy attorney at Yusufov Law Firm for a free consultation.

    4

    Will Bankruptcy Stop Wage Garnishments?

    Yes, filing for bankruptcy will stop most wage garnishments. However, bankruptcy will not stop wage garnishments based on a domestic support obligation, like child support.  For more, read our Ultimate Guide to Stopping Garnishment in Arizona.

    5

    Do I Have To Give Up All My Assets?

    No, you do not have to give up all your assets. In fact, the purpose of the bankruptcy laws is to allow individuals to obtain a fresh financial start. This purpose would be completely defeated if debtors were required to give up all their assets. The bankruptcy code and state law specifically allow an individual to keep (exempt) various types of personal and household property, as well as a car and a house, each up to a certain value. In most situations, individuals can keep all their personal and household belongings after filing for bankruptcy. An experienced bankruptcy attorney can advise you how filing for bankruptcy will affect your assets, and can help you plan prior to filing bankruptcy to maximize the assets you are able to keep.


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    What Our Clients Say

    It was awesome I was very nervous of the process and what it would take to get my discharge done but everything went smoothly.

    Edgar O.

    Excellent service and very good communication. Every question was clearly explained for me. I recommend.

    V. L.

    I was always informed of the best decisions to make. If I had any questions the attorney and his staff made me feel like I was a priority. I had a lot of issues to deal with last year and German Yusufov helped me get thru it all. I would highly recommend this law firm for all your needs. Thank you all for your help and concern to get me thru this.

    Bruce L.
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    Free Consultation

    To discuss your financial situation and learn more about your debt relief options, give us a call at (520) 745-4429 or (480) 788-0098.

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