The consumer bankruptcy division of Ariano & Reppucci, PLLC files numerous Arizona chapter 7 and chapter 13 bankruptcy petitions each week. Thus when you hire a Phoenix bankruptcy lawyer from Ariano and Reppucci, PLLC you know that your bankruptcy will be backed by invaluable knowledge that is only gained through experience.

Did you know that filing for bankruptcy can help prevent foreclosure, stop garnishments, erase judgments and stop creditor harassment? What’s more is that, if you have fallen behind on your financial obligations, filing for bankruptcy may improve your credit score. A top Phoenix bankruptcy attorney from Ariano & Reppucci will guide you through the process of filing bankruptcy from the free consultation to the discharge of your debt. Contact our convenient Phoenix office today to set up your free bankruptcy consultation.

Even if you are not currently considering filing for bankruptcy, a lawyer from Ariano & Reppucci, PLLC may be able to improve your current financial situation. Our attorneys have successfully modified mortgage loan terms, decreased credit card balances and reduced interest rates for non-bankruptcy clients.

Furthermore, many clients have contacted our office for loan modification and debt negotiation services, only to discover that bankruptcy was right for them all along. Our initial consultations are offered free of charge, so schedule a meeting with a bankruptcy attorney today to see how our Phoenix bankruptcy lawyers can help you.

  • Chapter 7 Bankruptcy
Liquidate nonexempt assets, pay off creditors at a reduced payoff level, drastically reducing your debt levels and giving you the chance for a fresh start
  • Chapter 11 Bankruptcy
As credit tightens in a challenging market, cash flow issues are increasingly common. Use Chapter 11 bankruptcy protection to remain in business while reorganizing your business’s debt.
  • Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows individuals and families who meet disposable income levels to retain all property, while paying off debt at reduced levels through a court-approved payoff plan.
  • Foreclosure Actions
Before foreclosure threatens your home, consider Chapter 7 bankruptcy or Chapter 13 bankruptcy, which can often help you bring debt to manageable levels while retaining your home.
  • Credit Card Debt
Credit card debt is eligible for restructuring through bankruptcy protection. Bankruptcy can free you from years of payments at excessively high interest rates.
  • Stop Creditor Harassment
Creditors are barred from many forms of contact and collection efforts once a debtor files for bankruptcy protection.
  • Debt Negotiation
We can negotiate with creditors, review lease and loan contracts, work to halt wage garnishment, and prevent bank account and vehicle seizure.
  • Life After Bankruptcy
Bankruptcy most often protects your home, car pension, personal items, medical devices, workers’ compensation income and tools related to your livelihood while still halting the creditor harassment that is ruining your life.
  • Will I Lose My Car Or Home?
Chapter 13 bankruptcy protects all of your property, and Chapter 7 bankruptcy will protect your home and car in most instances. We can provide counsel at every step to ensure you retain the property most important to you.