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Arizona offers a unique set of exemptions and our sponsoring Arizona bankruptcy attorneys may know how to make them work for their individual clients.

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To protect your property, they may write a petition that presents your case using as many types of exemptions that apply to you as possible.

Arizona state laws provide exemptions that our sponsoring Arizona bankruptcy attorneys may use in preparing your case once you have filed for bankruptcy. You may be able to use these exemptions during your Arizona bankruptcy to protect your home, car, and certain other personal possessions.

If you would like to learn more bankruptcy information call us toll free at 877-349-1309 or complete the below free bankruptcy case review form to be connected to a sponsoring Arizona bankruptcy lawyer today.

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Bankruptcy laws may limit your case options

Under a Chapter 13, also known as a reorganization proceeding, a debtor may file a petition to consolidate their debts and, with the court, devises a payment plan over a period of three to five years.

Chapter 13 bankruptcy is designed for debtors with regular incomes who want to pay their debts but are currently unable to do so. The purpose of Chapter 13 is to enable financially distressed consumers, under court supervision and protection, to propose and carry out a repayment plan under which their creditors are paid over an extended period of time.

Any individual, even if self-employed or operating an unincorporated business, may be eligible for this type of relief. However, a debtor may not file under Chapter 13 or any other chapter if, during the preceding 180 days, a prior petition was dismissed due to the debtor's willful failure to appear before the court or comply with orders of the court or was voluntarily dismissed after creditors sought relief from the court to recover property upon which they hold liens.

It may be much easier to dismiss your case or to convert a Chapter 7 case to a Chapter 13 case. There are also two education requirements that debtors must pass before they are permitted to emerge from either Chapter 7 or Chapter 13. Lawyers and even debtors may be liable for sanctions for a dismissed or converted case.

If you file a case under Chapter 7 bankruptcy, and it is dismissed, not only will you not be eligible to file, you or your lawyers may even have to pay a significant amount of expenses and lawyers' fees.

Talk to a local Arizona bankruptcy attorney today about your legal options.


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