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What Are the Benefits of Declaring Bankruptcy? Declaring bankruptcy in Arizona enables individuals to discharge certain debts legally, halt creditor harassment, and achieve financial stability under the protection of federal law. While filing for bankruptcy may sound intimidating, it can […]

Why Do People Hire Personal Bankruptcy Lawyers? When facing serious debt, many people wonder: Do I really need a bankruptcy lawyer? The answer is yes, because bankruptcy law is complex, and the stakes are high. People hire personal bankruptcy lawyers to protect their […]

Failed the Bankruptcy Means Test in Arizona? Here’s What to Do Next Written by Jim Gaudiosi If you fail the Chapter 7 means test in Arizona, it doesn’t mean you’re out of options; your most powerful alternative is typically filing […]

Bankruptcy And Student Loan Forgiveness: Can You Wipe Out Student Loans Through Bankruptcy? Can Bankruptcy Eliminate Student Loans? For most borrowers, student loans are notoriously difficult to discharge through bankruptcy; however, it is possible under specific conditions. Borrowers must prove […]

Why File a Chapter 7 Bankruptcy? The purpose of filing any bankruptcy is to get a discharge. A discharge is a court order in which a judge determines that you have done everything you needed to do in your chapter […]

Chapter 7 Bankruptcy: Everything You Need to Know What is Chapter 7 Bankruptcy? Chapter 7 bankruptcy is a legal process designed to give individuals and businesses a fresh start by discharging qualifying debts. Known as liquidation or straight bankruptcy, Chapter […]

What Is Disposable Income in Bankruptcy? An Arizona Guide In bankruptcy, your disposable income is the money left over each month after paying for necessary living expenses, as determined by law. This single figure is one of the most critical […]

What Unsecured Debts are Discharged in Chapter 7 Bankruptcy? When facing overwhelming financial pressure, understanding your options is the first step toward relief. For many, Chapter 7 bankruptcy offers a path forward. In a Chapter 7 bankruptcy, the court legally eliminates (discharges) […]

How do Income Limits Influence Eligibility for Arizona Chapter 7? Feeling crushed by debt is overwhelming enough without trying to navigate the complex rules of bankruptcy. For many Arizona residents seeking a fresh start, the biggest question is whether they […]

What are the risks of filing Chapter 7 without legal help in Phoenix? Author: Attorney Jim Gaudiosi. Last Updated: June 11, 2025 Filing Chapter 7 bankruptcy in Phoenix without a lawyer is risky. You could have your case dismissed, lose […]