How will bankruptcy affect my credit?

There is no single answer to this question. Under the current federal law, a bankruptcy can remain on a person’s credit history for up to 10 years. On the other hand, most individuals who file for bankruptcy already have poor credit. In some situations, bankruptcy may even improve a person’s credit, because bankruptcy can eliminate many debts and thus improve a person’s financial situation.

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.

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.

Do I Need a Bankruptcy Lawyer? -A Judge's View

For those struggling with debt, hiring a bankruptcy lawyer can seem like yet another expense that they can’t afford. In the video below, bankruptcy judge Case from the District of Arizona Bankruptcy Court discusses the bankruptcy process and the implications of filing without a lawyer. This video should be watched by anyone considering bankruptcy, whether or not they ultimately decide to hire a lawyer. For more information, you can also read: 7 Mistakes to Avoid When Filing for Bankruptcy in Arizona.

We represent clients throughout Mesa, greater Phoenix area, Tucson, and Southern Arizona, including Maricopa, Pima, Pinal, Santa Cruz, Cochise, Graham, and Greenlee counties.

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We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code. The material and information contained on these pages and any pages linked to from these pages is intended to provide general information only and not legal advice. You should consult with an attorney licensed to practice in your jurisdiction before relying on any of the information presented here. You are advised that the acts of sending e-mail to or viewing or downloading information from this website does not constitute an attorney-client relationship.

Do I Need a Bankruptcy Lawyer? – A Judge’s View

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