Business Details
27 Years
experience
Emergency
services
Your Trusted Phoenix Bankruptcy Attorneys for Fresh Start Solutions
Phoenix Fresh Start Bankruptcy Attorneys is a dedicated legal practice specializing in providing compassionate and effective bankruptcy solutions for individuals facing financial hardship. With over two decades of experience, our team understands the emotional and financial strain of debt and is committed to helping clients achieve a true fresh start. We offer personalized guidance through Chapter 7 and Chapter 13 bankruptcy options, emphasizing transparency, client education, and long-term financial recovery.Our firm distinguishes itself through innovative services like free credit repair programs, flexible payment plans, and a proven track record of successfully navigating complex bankruptcy cases. We prioritize client well-being over corporate interests, ensuring every decision aligns with our mission to restore financial stability while maintaining the highest ethical standards.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Wage Garnishment
Credit Repair
Details
- Year established: 1999
Highlights and features
- We offer free credit repair services with every bankruptcy filing
- Our payment plans make bankruptcy accessible to all income levels
- Experienced attorneys with 20+ years of bankruptcy law expertise
- Proven success in stopping foreclosure and wage garnishment
- Personalized approach with no hidden fees or surprises
Associations and certifications
- Arizona State Bar
- Oregon State Bar
- Washington State Bar
- Better Business Bureau
- National Association of Consumer Bankruptcy Attorneys
What people say
Life-changing support
Professional expertise
Stress-free process
Effective solutions
Compassionate guidance
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides immediate debt relief by eliminating unsecured debts like credit cards and medical bills. Our experienced attorneys guide clients through asset protection strategies while ensuring compliance with Arizona bankruptcy exemptions. This process typically concludes within 6 months, offering a swift path to financial freedom for qualifying individuals.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy creates structured repayment plans for individuals with regular income. Our team helps clients retain property while reorganizing debts over 3-5 years. This option is ideal for those facing foreclosure or needing to catch up on mortgage payments while maintaining homeownership.
Foreclosure Defense
Our foreclosure defense services protect Arizona homeowners through strategic bankruptcy filings and mortgage modification assistance. We specialize in stopping foreclosure proceedings at all stages while developing customized solutions to preserve home equity and ownership rights.
Wage Garnishment
We immediately halt wage garnishment through bankruptcy protection and legal challenges. Our attorneys negotiate with creditors to establish fair repayment alternatives while ensuring clients maintain essential income for living expenses.
Credit Repair
Our proprietary credit repair program included with every bankruptcy filing accelerates post-bankruptcy credit recovery. Through personalized education and strategic credit-building techniques, clients typically achieve scores above 720 within 18 months, restoring access to favorable loan terms and financial opportunities.
People
Tom McAvity
Managing Attorney
With 25 years of bankruptcy law experience, Tom McAvity founded Phoenix Fresh Start Bankruptcy Attorneys to provide compassionate debt solutions. A graduate of Lewis & Clark Law School, he has helped thousands of Arizona residents eliminate over $100 million in debt while specializing in complex cases involving foreclosure defense and asset protection.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates most unsecured debts immediately, while Chapter 13 creates a 3-5 year repayment plan to reorganize debts while protecting assets.
Will bankruptcy stop foreclosure on my home?
Yes, filing bankruptcy triggers an automatic stay that immediately halts foreclosure proceedings and gives you time to catch up on payments.
Can I keep my car if I file bankruptcy?
In most cases, you can keep your vehicle through bankruptcy by continuing payments or modifying loan terms under Chapter 13.
How does bankruptcy affect my credit score?
While bankruptcy appears on credit reports for 7-10 years, our free credit repair program helps most clients achieve scores above 720 within 18 months.
What debts cannot be discharged in bankruptcy?
Child support, most tax debts, and student loans typically survive bankruptcy, but we'll help you create a plan to manage these obligations.
Can I afford bankruptcy attorney fees?
We offer flexible payment plans with no upfront fees, making bankruptcy accessible through manageable monthly installments.
