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Bankruptcy Law Changes

Changes in Bankruptcy Laws in 2005 Effect Filers

Experienced Avondale Bankruptcy Attorneys

Since the 2005 bankruptcy law changes, it has become more difficult for Avondale, Glendale, Peoria, Surprise,  and residents all over Central Arizona and the Phoenix Metro Area to file for bankruptcy protection under the bankruptcy code.  Several laws and methods were changed back in 2005 and additional changes to bankruptcy codes continue to evolve.  Experienced bankruptcy lawyers like those at My AZ Lawyers in Avondale, AZ can help you decipher the changes and interpretations of the current bankruptcy codes.

More individuals, couples, and even businesses are attempting to file for bankruptcy on their own with do-it-yourself kits.  These self filers, not realizing the bankruptcy law changes, end up regretting the decision of not hiring a local bankruptcy lawyer.  There are various types of bankruptcies which is one of the many reasons why it is so essential to choose the right Avondale or Peoria, AZ bankruptcy attorney who will provide the kind of experience you need to handle your particular case.

Filing for chapter 13 or chapter 7 bankruptcy can mean the difference between saving your home or foreclosure.  There are many benefits to filing for bankruptcy in Avondale, Arizona. Each chapter of bankruptcy comes with its own set of requirements in order to qualify for the particular bankruptcy chapter that you may seek.  The bankruptcy law changes from 2005 have effects on those filing for bankruptcy in Phoenix and surrounding communities in Maricopa County, Arizona.

Other benefits to filing bankruptcy in Arizona include: filing bankruptcy can stop garnishments, discharge medical bills, and end harassing phone calls from creditors.  Our clients often find that after filing for chapter 7 or chapter 13 bankruptcy that they have room in their budget and they breathe easier knowing their debts are behind them.

The important part is to make sure that you seek the assistance of a professional debt relief agent or bankruptcy attorney when filing for bankruptcy protection.  The bankruptcy law changes and ever-changing exemptions and requirements make the assistance of an experienced lawyer a very good idea.

My AZ Lawyers, PLLCIf you are being harassed by creditors or face the loss of wages to a garnishment or the loss of your home to a foreclosure, Our Avondale, Surprise, and Glendale, AZ bankruptcy lawyers can help.  Our trusted bankruptcy lawyers will take the time to understand your personal situation and help you make the right decision. That decision may be working with a debt reduction service, negotiating with creditors, obtaining a loan modification, converting a short sale, or even filing a lawsuit to stop foreclosure.

Our Avondale, Arizona Bankruptcy Lawyers at My AZ Lawyers, PLLC understand that declaring personal bankruptcy is not an easy decision for you and your family.  Let our experienced bankruptcy lawyers and attorneys help you with your financial situation and tough decisions. Our bankruptcy law firm offers evening and weekend appointments, low legal fees, same day bankruptcy consultations, and helpful attorneys and staff.  Call today and set up a FREE Initial Consultation and Debt Evaluation to determine the best course of action for your financial situation.

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Avondale Bankruptcy Law Office

Avondale, AZ Bankruptcy Attorneys

The mortgage crisis in Arizona.  Arizona business bankruptcies in Phoenix and throughout Maricopa county.  Home foreclosures in Avondale, Arizona. Plus, the energy crunch and high gas prices across America.  In today’s economy, more and more people are experiencing financial difficulties. The skilled Avondale bankruptcy law office of My AZ Lawyers, PLLC fully recognize the scope of these issues. We understand the financial setbacks plaguing many of our clients.

Our bankruptcy attorneys in Avondale, AZ are determined to help our clients identify and execute every possible option toward debt relief and return to solvency. We want to help alleviate the pressures you are experiencing, and help control issues of money and debt.

Contact our Avondale bankruptcy law office today and set up a free consultation with one of our experienced bankruptcy lawyers.  Let us get you on your way to a fresh financial start.  Same day appointments available in most cases.

Avondale Bankruptcy Law Office

According to the 2013 Avondale Annual Report, “If you live in or move to Avondale, you’ll find a welcoming community that accepts you and will support you and your family. If you bring your business to Avondale, you will find an environment that will stimulate success…If you invest in Avondale, you have chosen a financially stable, well-run city that has proven to be a solid investment for the future.” At the base of the Estrella Mountains where the Agua Fria and Gila Rivers meet, Avondale is a 54 square mile city located 15 miles west of downtown Phoenix in Maricopa County, Arizona.  Due to the stable descending air and high pressure, the city experiences a large amount of sunshine and mild desert climate year round.

Some general statistics about this community: the estimated population is 83,420, with the average household size of 3.3, the average resident age 31.7, and the average household income: $64,289. Hispanic and White comprise most of the population (50.3% and 34% respectively).

As a city that supports education and  local business, Avondale “provides people…a place to fulfill their dreams.”  Some interesting numbers about the community proves that the city takes pride in their city.  There are 503 city employees who serve Avondale, 144 car seats were provided through education workshops, 2
$2.2 million in revenue was generated last year at the city court, $295,395 items were circulated by avondale public libraries, and 12 large-scale family friendly community events were hosted in Avondale, including parade and multi-day nature festival.  The most common industry here is Construction, and the most common occupation is Information and record clerks.

It’s no wonder Avondale, Arizona has more than 4,200 Facebook fans!  Aspiring to meet the needs of the city, which has 56 members on its 18 different boards, commissions, and committees, the city, in the past year, has resurfaced roads — equivalent to 37 football fields, 52,789 people were served at the Care 1st Avondale Resource and Housing Center, and residents take part in Landscape Water Conservation classes, attend the Avondale Education Summit, and participate in the city events.

How does this city show interest in community? In 2013, the city reached its 10th year in the recycling program, 2.1 billion gallons of water was treated at the water reclamation facility, 51 lbs of plastic bags were diverted from the waste stream through city recycling stations, just over 9,500 pounds of food was collected at the 5th annual School Spirit Holiday Food Drive, volunteers came together to paint 6 houses on Make a Difference Day, and through the Green Waste Pilot Program, 240 tons of waste was diverted from the waste stream.

The city is home to famous Phoenix International Raceway, where it holds NASCAR Sprint Cup Series and National Series races yearly. Avondale has a golf course/club, Corral West Horse Adventures,

Avondale has educational opportunities and health care for its residents. According to the Center for Digital Government, Avondale is the #1 Digital City Community in America.  The city is served by 6 elementary school districts, and 3 high schools, and 3 private elementary/middle schools. Hospitals near Avondale include: West Valley Hospital, Banner Estrella Medical Center, and Maryvale Hospital.  Avalon also has colleges / universities: The Universal Technical Institute of Arizona Inc., Estrella Mountain Community College, Southwest Skill Center-Campus of Estrella Mountain Community College, Empire Beauty School, and Maricopa Beauty College, LLC.

Avondale compared to Arizona state averages? Avondale is below average in unemployment, significantly above average in Hispanic population, below average in the median age, and above average in the number of college students.

*source: “Avondale 2013 Annual Report” www.avondale.ci.avondale.az.us/

 Avondale Bankruptcy Law Office