Business Details
Emergency
services
Your Trusted Phoenix Bankruptcy and Debt Relief Attorneys
Ariano & Reppucci is a distinguished Phoenix-based bankruptcy firm founded by attorneys Christopher H. Ariano and Ryan M. Reppucci. Since inception, we have specialized in bankruptcy law, debt settlement, creditor representation, and emergency bankruptcy filings. Our firm prioritizes personalized legal strategies, ensuring each case receives direct attorney attention from consultation through resolution. With a focus on accessibility, we provide low flat fees and flexible payment plans to accommodate clients facing financial hardship. Our commitment to 24/7 availability ensures urgent legal concerns receive immediate attention.Unlike firms relying on legal assistants, our attorneys handle every aspect of clients' cases personally, reflecting our dedication to quality over quantity. Recognized for expertise in Chapter 7 and Chapter 13 bankruptcies, we guide clients through debt relief options while maintaining transparent communication and ethical standards. Community-driven through referrals, we approach each case with the ethos of treating clients as family, combining legal rigor with compassionate representation to deliver trustworthy outcomes.
Services
Bankruptcy
Debt Settlement
Chapter 7
Chapter 13
Creditor Representation
Emergency Filings
Legal Consultation
Debt Negotiation
Petition Preparation
Highlights and features
- We handle all cases directly with experienced bankruptcy attorneys.
- Our firm offers low flat fees and flexible payment plans.
- Available 24 hours daily for urgent legal needs.
- Dedicated to personalized strategies, not mass case processing.
- Established reputation through referrals from satisfied clients.
What people say
Absolutely amazing
Handled our case promptly
Confident in courtroom
Reassured constantly
Love their knowledge
Services
Bankruptcy
Bankruptcy provides legal solutions to eliminate or restructure debt. It halts foreclosure, wage garnishment, and creditor harassment. Our attorneys guide clients through Chapters 7 and 13 to achieve financial freedom, ensuring compliance with federal and state laws.
Debt Settlement
Debt settlement reduces unsecured debts through creditor negotiations. We help clients pay less than owed by managing trust accounts and securing favorable settlements. This service avoids bankruptcy while stopping harassment from collectors.
Chapter 7
Chapter 7 eliminates unsecured debt through asset liquidation. We assess exemptions to protect homes, cars, and personal property. Our team ensures compliance with Arizona's $150,000 homestead exemption and manages petitions from filing to discharge.
Chapter 13
Chapter 13 restructures debt into 3-5 year repayment plans. We help clients retain assets excluded from Chapter 7, handle lien modifications, and create court-approved plans. This option suits those exceeding income limits or with non-dischargeable debts.
Creditor Representation
Creditor representation defends clients against harassment and lawsuits. We handle communications, enforce automatic stays post-filing, and negotiate payment terms. Our goal is to eliminate threats of garnishment, repossession, and asset levies through legal advocacy.
People
Christopher H. Ariano
Managing Partner
Christopher Ariano, a founding attorney, specializes in bankruptcy and debt relief. He established Ariano & Reppucci to provide accessible legal solutions, emphasizing client-first representation and community-driven service.
Ryan M. Reppucci
Partner
Ryan M. Reppucci co-founded the firm with Christopher Ariano, focusing on bankruptcy law. He prioritizes direct client interaction and ethical practices to deliver affordable, high-quality legal outcomes.
Questions
What bankruptcy options are available in Phoenix?
We offer Chapter 7 for debt elimination and Chapter 13 for repayment plans. Our attorneys evaluate income, assets, and debt types to recommend the best option for financial recovery.
How does debt settlement work?
Debt settlement negotiates reduced payments with creditors. Clients deposit funds into a trust account while we secure settlements, often for 55% or less of owed amounts, stopping harassment immediately.
Do I need a lawyer for bankruptcy?
While optional, our experienced attorneys navigate complex filings, exemptions, and court requirements to ensure successful outcomes, avoiding costly errors common in self-represented cases.
Are payment plans available for legal fees?
Yes, we offer low flat fees and customized payment plans to make bankruptcy or debt settlement accessible without upfront costs.
Can bankruptcy stop foreclosure?
Filing for bankruptcy triggers an automatic stay, halting foreclosure proceedings. Chapter 13 allows catching up on mortgage payments while retaining home equity.
What areas do you serve?
Primarily Phoenix and statewide Arizona, providing in-person and virtual consultations to assist residents with bankruptcy and debt relief needs across the region.
