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Your Trusted Arizona Bankruptcy Attorneys
Bornmann Law Group is a statewide law firm dedicated to providing compassionate and effective bankruptcy solutions across Arizona. With offices in Phoenix, Mesa, Tucson, and Glendale, our experienced attorneys specialize in Chapter 7 and Chapter 13 bankruptcies, offering personalized guidance to individuals and families facing financial hardship. We prioritize client needs, ensuring transparent communication and tailored strategies to stop wage garnishments, prevent foreclosures, and eliminate debt.Our teams expertise in Arizona bankruptcy law allows us to deliver efficient, cost-effective services while maintaining the personal attention and responsiveness of a smaller firm. Committed to ethical practices, we empower clients to achieve financial freedom and rebuild their lives with confidence.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Emergency Bankruptcy
Wage Garnishment Defense
Foreclosure Defense
Debt Relief
Credit Counseling
Bankruptcy by Phone
Medical Debt Bankruptcy
Repossession Defense
Highlights and features
- We offer free one-hour consultations with experienced bankruptcy attorneys.
- Our flat-fee pricing ensures no hidden costs or unexpected charges.
- Personalized service with compassionate, non-judgmental representation.
- We serve clients statewide via phone for convenient, remote assistance.
- Specialized expertise in Arizona bankruptcy law with a track record of success.
What people say
Compassionate service
Effective debt relief
Knowledgeable attorneys
Highly recommended
Stress-free process
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts like credit card balances and medical bills through asset liquidation. Our attorneys guide clients in Arizona to determine eligibility, protect exempt assets, and navigate the process efficiently. This option provides a fresh start by discharging qualifying debts within months, stopping creditor harassment and wage garnishments immediately upon filing.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy restructures debt into a manageable 3-5 year repayment plan. Bornmann Law Group helps clients retain property, catch up on mortgage arrears, and reduce financial stress. Our team negotiates with trustees and creditors to ensure fair terms, allowing clients to rebuild credit while maintaining essential assets like homes and vehicles.
Emergency Bankruptcy
Emergency bankruptcy stops imminent actions like car repossession or foreclosure within hours. We prioritize rapid filing of essential documents to activate the automatic stay, halting creditor actions. Our attorneys streamline the process, ensuring critical protections are in place while completing full paperwork post-filing to meet court requirements.
Wage Garnishment Defense
Filing bankruptcy with Bornmann Law Group immediately halts wage garnishments by invoking the automatic stay. We work to recover seized funds and eliminate underlying debts through Chapter 7 or restructure payments via Chapter 13. Our team ensures compliance with Arizona exemptions to protect income and assets during the process.
Foreclosure Defense
Chapter 13 bankruptcy allows clients to stop foreclosure and repay mortgage arrears over time. Our attorneys negotiate with lenders to modify terms or reduce back payments, ensuring homeowners retain their property. We provide strategic defense against eviction, prioritizing long-term financial stability and equity preservation.
People
Joshua Jacoby
Bankruptcy Attorney
Joshua Jacoby specializes in Arizona bankruptcy law, offering personalized solutions for Chapter 7 and 13 filings. With a focus on debt relief and client education, he guides individuals through complex processes to achieve financial freedom.
Questions
How can bankruptcy stop wage garnishment?
Filing bankruptcy triggers an automatic stay, immediately halting wage garnishments. Our attorneys ensure creditors cease deductions and recover seized funds post-filing.
Can I keep my home after filing bankruptcy?
Chapter 13 allows you to retain your home by repaying arrears over time. Exemptions in Chapter 7 also protect equity, ensuring you avoid foreclosure.
Will bankruptcy eliminate medical debt?
Chapter 7 discharges medical bills completely. Our team ensures qualifying debts are erased, providing relief from overwhelming healthcare-related financial burdens.
How does bankruptcy affect credit?
While bankruptcy impacts credit scores, it allows rebuilding through secured credit cards and timely payments. Clients often qualify for loans within 1-2 years post-discharge.
Can I file bankruptcy without a lawyer?
While possible, legal guidance ensures accurate filings and exemption protection. Our flat fees and financing options make professional representation accessible and cost-effective.
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